There is an article at Ars Technica which really woke me up to how unsafe some seemingly safe pass-phrases may actually be: How the Bible and YouTube are fueling the next frontier of password cracking -- Crackers tap new sources to uncover "givemelibertyorgivemedeath" and other phrases by Dan Goodin.

That article made me reevaluate and change most of the pass-phrases I had been using on many different sites, including my banks.