remembering long, complex passwords for a few important accounts, such as bank accounts. Similar arguments were made by Forbes in not change passwords as often as many "experts" advise, due to the same limitations in human memory. Writing down passwords on paper Historically, many security experts asked people to memorize their passwords: "Never write down a password". More recently, many security experts such as Bruce Schneier recommend that people use passwords that are too complicated to memorize, write them down on paper, and keep them in a wallet. Password manager software can also store passwords relatively safely, in an encrypted file sealed with a single master password. After death According to a survey by the University of London, one in ten people are now leaving their passwords in their wills to pass on this important information when they die. One-third of people, according to the poll, agree that their password-protected data is important enough to pass on in their will. Multi-factor authentication Multi-factor authentication schemes combine passwords (as "knowledge factors") with one or more other means of authentication, to make authentication more secure and less vulnerable to compromised passwords. For example, a simple two-factor login might send a text message, e-mail, automated phone call, or similar alert whenever a login attempt is made, possibly supplying a code that must be entered in addition to a password. More sophisticated factors include such things as hardware tokens and biometric security. Password rules Most organizations specify a password policy that sets requirements for the composition and usage of passwords, typically dictating minimum length, required categories (e.g., upper and lower case, numbers, and special characters), prohibited elements (e.g., use of one's own name, date of birth, address, telephone number). Some governments have national authentication frameworks that define requirements for user authentication to government services, including requirements for passwords. Many websites enforce standard rules such as minimum and maximum length, but also frequently include composition rules such as featuring at least one capital letter and at least one number/symbol. These latter, more specific rules were largely based on a 2003 report by the National Institute of Standards and Technology (NIST), authored by Bill Burr. It originally proposed the practice of using numbers, obscure characters and capital letters and updating regularly. In a 2017 Wall Street Journal article, Burr reported he regrets these proposals and made a mistake when he recommended them. According to a 2017