If a site’s login/registration isn’t encrypted using SSL why would you risk sending a user’s password in plain text to the form’s processing script? Because you didn’t know any better and didn’t read this how-to, that’s why. With today’s average computer and connection speed adding a little encryption and downloading small library (in addition to jquery’s 76k or so) isn’t a big deal. Here’s how I’m encrypting a password before form submission:
Browser/Client side password encryption example
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