Truecrypt container for all passwords.
Though I'd like to go smack Vanguard a few times. The password limit there is only 6-10 characters, and you're limited to the first 127 ASCII characters, so nothing fun like ∞.
That, in contrast to Treasurydirect.com, which has some ridiculous crap in place.
1) Enter account number.
2) A one-time password is e-mailed to you.
3) Enter one-time password.
4) Enter regular password with mouse using an on-screen keyboard.
Then, if you want to add or change your payment information, the only way is to fill out a PDF form, print it, and then mail it in.
I think they're trying to encrypt the website interface itself.
Soon the URL will be www.458dfg0bls%$%_sdfolœsdf►╡.com, which will present you with an array of 10,000 text boxes. You must enter your account number into the correct box in order to gain access to the next page, which will ask for your numeric password to be entered in a number base of their choosing.