"Wally, do you have the approved vendor list?" "It's on the net. The password is 'Wally.'" "Hmm, you always say information is on the net when I know it's not. Yet, by mentioning a password it sounds plausible." "So, first I'll find out that the password has changed. Then I'll find out the list is out of date. What am I forgetting?" "User name."