I received one of those dreaded messages from our IT department a couple of weeks ago. My password to log onto the company's systems was about to expire and I needed to come up with a new password—one that I hadn't already used over the past year.

I tend to ignore deadlines until the last minute, but the next day the message re-appeared and it was like a ticking time bomb—the days were counting down.

Fortunately, I don't have a multitude of systems to log onto here at work. We're a publishing company—at least that's what I tell people—not an independent insurance agency that represents a dozen or more insurance carriers.

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