This article will make you feel a little queezy … the level of sophistication in the hacker / cracker communities is really astounding.
http://arstechnica.com/security/2012/08/passwords-under-assault/
And this might just be the solution … give it a try if you would rather not continue rolling the dice with your financial life.
http://passwordsafe.sourceforge.net/
Thanks go to Jan for passing this along …
Edit: I decided against password safe and chose instead keepass ...
http://keepass.info/download.html
It has Android, Unix and Windows covered ... and that will be enough for me :-)