>>I have a solution to the problem of "ever-changing passwords". I just add a number and then increment. MickyMouse1 becomes MickyMouse2. So, if I ever have a problem, I just try the next number.

I cheat - our system remembers your last 4 passwords - so I just change it 5 times - 111111, 222222, 333333, 444444, then back to the original password, saves trying to remember different passwords & takes about 1 minute every 8 weeks.