...and you probably won't change any of your passwords.

If you are anxiously awaiting Groundhog Day tomorrow and you need something to do, perhaps you can change your on-line passwords -- today is Change Your Password Day.

If you're like almost every person on the planet, you probably have a very small list of passwords you use for all of your e-mail addresses, credit cards, account log-ins, and what not, and you probably almost never change any of them.

But what are you supposed to change them to? Lots of companies make you use at least one capital letter or number in a password, but those passwords aren't very secure, relative to what a sophisticated hacker can do.  Experts now suggest you use a combination of letters, numbers, and symbols -- something like J&8>w9 or AW#7q> (good luck remembering that).

What shouldn't you use as a password? Splashdata compiled a list of the worst passwords of 2011:

1. password
2. 123456
3. 12345678
4. qwerty
5. abc123
6. monkey
7. 1234567
8. letmein
9. trustno1
10. dragon