"Keychain can provide the password so you don't have to type it"?, "Keychain can provide the password so you don't have to type it"?

Hi, all,
I quote from the Keychain Access Help: "Keychain can provide the password so you dont have to type it" .
Please tell me:
How does this work?
What do I have to do to make this work on my MacBook Air, OS X Lion? I mean what do I have to open, click, enter etc..
I will be very grateful. I have the greatest difficulty in remembering the several passwords I use, and it would be a boon if the OS would do this for me.
If I have been too ambitious about the properties of OS X Lion, is there a third party program which can do this for me?
roystonfrombrighton

Mario_MM, thank you,
But what I need and do not yet see, is:
when a box appears with , say, an ID on top and a blank box below asking me to fill in the password - I do not want to have to type in the password, I want the password to already be in there, in text, or even in a line of dots, and then these entries to be accepted.
Sorry to keep on about this, but your help would be appreciated.
roystonfrombrighton

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