To hear that Steve Willey is shocked that people could have so many credit cards that they have forgotten one or more PINs is itself shocking. I receive more invitations to apply for credit cards than I receive junk email offering something I shall call horn-therapy - which is a lot. Anyone in the same boat who is more predisposed than I to accept such offers would certainly have more cards than PINs, and probably more PINs than could possibly be remembered. I live in hope that Dean Procter's vision of a password-less (but safe) environment comes about very, very soon. Personally, I have recently reduced the number of unique passwords to the absolute minimum I need to operate my (two) cards and the various online resources I use... and still it's more than 20. I am surprised that the number of forgotten PINS is as low as this article suggests!