Fire up Software Update if you're using Lion, and be prepared to have your passwords protected by encryption, as they should be. After a nasty error in 10.7.3, fixed in the just-out 10.7.4 update, I'm hoping Apple learned a lesson.
The update also includes a few welcome fixes for other issues. From Apple:
The 10.7.4 update is recommended for all OS X Lion users and includes general operating system fixes that improve the stability, compatibility, and security of your Mac including fixes that:
Resolve an issue where the "Reopen windows when logging back in" setting is always enabled
Improve compatibility with certain British third-party U