Comment What about adding some "Intermediate rules?" (Score 1) 330
For example, I have a really hard time remembering phone numbers, so I use mathematical rules to aid in memory recall. Like, take my cousin's phone number for instance (not a real number).
The Area code is (516) so I remember that as "Prime" 4^2 or "Prime" 16^1/2. Because I know 5 is a prime and 16 can be squared perfectly. Then the next three numbers are 231, which all happen to be Fibonacci sequence numbers. So I remember that as "FIB."
Finally, the last four digits are 4447, so that translates as 4^3 and a Prime or 7. The point is, part of the insecurity problem is the use of a small number of rules to create the passwords makes them more vulnerable. An additional set of "intermediary rules" could be implemented to make security more personalized and harder to defeat.