Re: And service providers...
"What you choose to tell service providers is your mother's maiden name can be a secret. If you want it to be."
Yes, it's not like they check to make sure it's right. Make it whatever you want. My password storage program has a notes section that now stores all my answers to those questions. So if they don't match the real world answers so much the better.
I started saving them so I didn't have to remember if I included the state for town names and other stuff like "Whats your favorite food", from five years ago when I set up the account.