wow, really great tip. thanks robin.
but one thing I'd disagree about is not writing down passwords. perhaps that's true about online banking and financial accounts, but recently, after a relative died, we were trying to access things like the wireless network in their home, and we couldn't figure out what the password was. after many many attempts, we finally and luckily found it in his address book. shwoo! because at a time like this, we really didn't want to have to deal with the internet provider too.
