Bit by bit, people will memorize long passwords, too, after repeated exposure and handling, and at that point they will stop using the piece of paper with their long, hard-to-guess password scribbled down on, and it will have turned into one more memorized password.<p>The one single <i>long</i> password I have is 28 characters long; a random password I tapped on the keyboard and then wrote down on a piece of paper, used to administrate my ADSL modem's NAT/wifi/etc. which sadly can't be configured to allow only local login, hence the need for an "unguessable" password - however, not only have I <i>inadvertently</i>, from typing in the password many times, memorized the full password by the character, but I've also inadvertently memorized it <i>motorically</i>, and can without thinking repeat it on the keyboard in a second.<p>I agree fully on Schneier's advice, though, as the longer and the more random the password, the lower the chance for a dictionary or brute force success, but I'd store the piece of paper somewhere else than in my wallet :)