Not my point. Just not clear that the alternatives actually are better. Again, I use hardware tokens. Not seeing my family join me on that anytime soon. Lis

Not my point. Just not clear that the alternatives actually are better. Again, I use hardware tokens. Not seeing my family join me on that anytime soon. List of problems with every approach always falls back to, "what happens if you lose it?" And the resolution to that is always outside of the technical chain.