I really am not liking the way Apple has "upgraded" the password thing for my apple account. It used to be just a password. Now if someone answers five questions about me that can probably easily be phished through casual conversation (what school did you go to?) they defeat my password.
My only alternative is to use false answers for those questions. Which means I need to keep track of my answers, which means I need something like 1password and if the password for that gets cracked, the keys to the kingdom are truly compromised.
Alternatively, if I lose that database, I'm pretty screwed.