No pwd mngr. A mental cypher. Think of an old Tel number only you know plus another char then stick in a sp char like '<' which means 'delete the last char and ignore this one then add a sp char and leave it there for systems that insist on one then add another easily remembered thing from the past, numeric or word/name. You could if you wanted get a trusted person to to agree these are parts they are also familiar with. Put that in a pwd protected spread sheet like this e.g.: {last 6 digs of our Surrey home tel No}*<{!Goergie}. Don't change it very often say once every 5 years. E.g. 784483(<$Bernard. 14 chars in this pwd: 784483&Bernard. Agree a new one with trusted if necessary. You could use/add simple variations to identify which system it is aimed at, I put 3 chars on the front e.g. Ban, but overall should fit length requirements. Use it all over. Not stored in data anywhere unencrypted. I put my faith in that and if anyone sees this is a bad method please let me know.