Well the 1st thing to remember is this, its for you to make your own formulae, the post is to get you thinking, not to follow everything i have posted. you see i used 4 symbols, 2 at the start to at the end, you can use 3 or 4 at the start and 2,3, or 4 at the end, or in the middle, the post is to get you thinking of how to make your passwords for you, so you can use them and remember them.
i used very basic and symplistic demo's i made people think, now they can go away and think of the other see more ways to apply a formulae (i am not doing all the thinking for you, nor am i going to post a 3 mile long post showing every way you can apply this.
again, one webmaster with one password, has nothing to compare it with to see its a formulae, again the passwords today should in most cases be in MD5 hashed code so safe as long as you do not use one to make your password, or a strenth meter as mentioned above.
i used very basic and symplistic demo's i made people think, now they can go away and think of the other see more