@fingersandtoes 

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fingersandtoes

"Memorable phrase"

How do you lot remember your "memorable phrase"s when they have to have at least one capital, at least one symbol (but not that symbol, choose another one), at least one number, be at least 10 characters except the memorable phrases that needs to be at least 12 characters... and you end up with something that is not at all memorable!! I try to jot down a memory jog in Google Keep but it has me beat this time and here I am on the phone to the bank once again...
@Stumbler

@fingersandtoes , the only realistic way is to write them all down or record them somehow. I know this completely undermines the reason for all this security, but no-one can remember all these passwords/phrases. Just try to record them in such a way that only you know which ID is for which company/Bank/website......