These days a typical netizen has dozens of online accounts. If you really want to be safe, you need to have a different password for each one, and each password needs to be incredibly complicated, with a mix of capital letters, symbols, and numbers. Who can keep all that stuff in their head?

Instead of inventing a gobbledygook password, you join three simple words that come from a thought known only to you. If one day you were driving to work and ran over a frog that ended up flat, you might choose 'frog work flat.'

Fingerprint readers require special hardware, and a lot of people find them creepy and don't want to use them. Smart cards and tokens can be lost or stolen.

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