We each hold hundreds of accounts throughout the web and security experts tell us we should change our passwords regularly.

I propose a protocol for changing passwords built on xml. An implied url would be available on any site (for example https://www.chase.com/password).

You post in XML format, your username (or id), old password and new password. Then it's changed.

Now we could have a trusted program (built by google or some very reliable and trustworthy company) that could manage an entire list of sites for us and change passwords quickly, easily and safely (https is required).