With so much talk of certificates in Security protocols i decided to get myself one.
Thwate offer them for free here . To view details of your cert go here. It's free for a personal Cert. which is what I have requested, it's in X509 format which is exactly what we are using in college. I'm not too sure how it works but it seems that there is an MS version and also a non-MS version (i.e if you are using a non-Microsoft email program).

Update: I've downloaded and installed both Certificates and they work perfectly (MS and Netscape/Mozilla). I also found on my travels today a very good intro to passwords and how to choose them, well worth a read.