Although I haven't used this yet, there is an interesting looking tool here:
http://www.frontpagecommerce.com/shop/shopdisplayproducts.asp?id=7&cat=Cool+Tools
I understand it's called the "Spooky Login" because the programmer who designed it is nicknamed "Spooky."
Sorry I can't tell you how good it is, because I haven't used it yet.
Bob Sharpe
We help people afford the high cost of health care
http://bighealthsaver.com