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Began programming in 1987 after graduating with masters degree in computer science.
What is a good practical (and sane) way to manage all your passwords for online sites?
I disagree with @bahamat. Unless you are a high profile person (Bill Gates, Pres. Obama, etc.) you are at a very low risk of someone wanting to take the effort to attack more than one of your accounts. I use a MUCH simpler form of Matt's scheme to manage my own account passwords.