So, Minnesota would rather people not be able to advance themselves without the officiating organization paying a fee, first? Do libraries have to pay a fee to lend books? Do documentaries put together by universities have to pay a fee first? If I move into the state and give away old college text books, do I have to pay a fee first? http://www.forbes.com/sites/evapereira/2012/10/19/minnesota-bans-free-online-education/
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Also, another method is to use a book of poetry or song lyrics and pick words on specific pages and build unrelated word combinations with mixed-case, number substitution and special characters.
Another, tool I use is KeePass since it works on Linux, Mac, Windows and several different smart phones, the file is encrypted and requires either or both a pass phrase and key file to access.
My roommate is a IT Sys Admin and so has the house wifi locked down with 11 alpha-numeric characters, various capitals and something neither of us can ever remember without checking where it's written down.
When I worked in a secure facility we used a telephone keypad to write out a word or two.
What really annoys me is the websites, software services, that require a password recovery question as though anyone who wanted to break into our online information couldn't do some research and learn out mother's maiden name, our pet's name or the first street we lived on as a child.