Do you remember your password for…?
If you do any online shopping and/or banking, user name and passwords have infiltrated your life. Many of my customers can easily knock one-half hour or more off their bill if they kept track of their passwords. I get many blank stares when I'm troubleshooting a machine and need to log into an Internet service or web site and I ask the customer for their password. Often times I receive the classic, "I don't have a password."
Everyone has a password for email, their bank, any other online service you might sign up for be it banking or a community forum.