I have been using RoboForm since version 6. I really like the backup on the web, now... I don't use the password generator, but I'm sure that some folks like that, too. I like that if you're on a public computer, you can log into the RoboForm / io website and proceed from there - or, that you can download a portable version and carry that around on a thumbdrive. I *don't* like the annual fee... I know how to program, and could create a product that does what the local version of RoboForm does... but, I suppose $20 a year isn't that bad. =) I do recommend RoboForm to anybody that uses more than two passwords.