I noticed the other day that EMC2Payouts stores user passwords in their system. I requested my forgotten password and got it back in my email, instead of a way to simply reset it.
Please, please,pretty please, learn something from security debacles like Gawker.
http://codahale.com/how-to-safely-store-a-password/
http://www.codinghorror.com/blog/201...passwords.html
http://www.codinghorror.com/blog/200...correctly.html