Am I getting worried about my memory," says 75 year old Rachel to her best friend Sarah.
"So why is that?" asks Sarah.
"Because every time I go online banking," replies Rachel, "I just don't seem to be able to remember my bank's password. I have to try many times before I enter the right code. Do you have such problems?"
"No I don't, Rachel," replies Sarah. "I've found a way around such problems."
"So what do you do then?" asks Rachel.
"I changed my password to 'INCORRECT'," replies Sarah. "Then, if I enter a different code, my computer tells me, "Your password is incorrect." [http://www.aish.com, altered]