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It's not just passwords any more
Users need to manage more authentication factors today:
-- likely will never go away.
-- unlocked with a PIN.
-- unlocked with a PIN or password.
Hard disk encryption
-- must type a password before the OS will boot.
-- unlocked by a password or PIN.
Voice or other biometrics
-- need to be enrolled.
-- first enrolled and periodically refreshed.
Cell phone number/provider
-- can act as another authentication factor.