Most crackers use insider knowledge (intuitive cracking), banking on the fact that people will not choose passwords they have difficulty remembering. There are not many memorable candidates (there are less than half a million words altogether in English), and most people choose passwords which relate to their lives: the name of the dog or girlfriend, model of car or, if they are a techie, something to do with computing. Inserting numbers does not help much. Most of the "rules" are well known in this age of text messaging (2 for TO, 1 for L, 5 for S and so on).
A password must be easy for the owner to remember, yet resist intuitive cracking. It must also be long enough to resist brute force, so a minimum of eight characters is preferable, although BS7799 suggests a miserly six. It must not be a dictionary word in any language (particularly one the user is known to speak), and proper names are absolutely out. Numbers don't help much, and never use any part of the date.
One option is the acronym of some very personal phrase which the owner does not discuss in the office. A sentence from a favourite novel, or the first character of each line of a song are typical examples.
Finally you need to create an appropriate password definition policy and get people to adhere to it.
Mike Barwise is principal consultant at www.computersecurityawareness.com/
This was first published in April 2002