I had a system in mind for generating passwords for various different institutions which was easy for me to remember but I reckon impossible for anyone else to work out. But then the clever security bods started to want a number in a password so the above system was adapted accordingly no problem, some then wanted special characters so you adapt again, some now dictate what the special characters can be and the one you've tended to isn't valid.
Needless to say across numerous cards/accounts I can't always remember what I ended up with so I have a written list and if anyone found it, it would be an absolute #### up.
My Santander accounts should be safe though, I didn't need to write anything in the list. If anyone wants to try to guess my passcode post below and if you get it within 5 attempts i'll transfer you what's in there, but only if you can also give me the passcode that will be sent to my phone :)