I'm not trying to be BOFH here... but it's not unreasonable to expect web users to have the same basic knowledge of a URL that they have for a telephone number. Most(perhaps nearly all?) of telephone users in the US know that in 123-456-7890, the "123" is an area code, "456" is an exchange, and "7890" is the line number. URLs are not that different. A similar knowledge of URLs would serve users well.