This is why people write passwords on sticky notes and tack them to their monitors:
Password must be at least 8 characters. Must contain at least one lower caseletter, one upper case letter, one digit, must not contain the word ___[word removed], must not be equal to username and have at least one of these characters: !@#$-_ .
Oi. Didja get all that??
How the heck is anyone supposed to remember their password when it's got all those requirements attached to it??