> This exact policy has led most passwords in the bank I work in to be a 
> combination of a random prefix and a numerical postfix.  When it's time to 
> change the password, you just increment the postfix, and done.

Tried that, "Password is too similar to a previous one".  I use that exact 
system for a particular password, but this stupid system really forces you 
to invent a totally new strong password every month.

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