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> My impression is that physical authenticators (often in the form of smart cards that double as employee ID) are pretty much table stakes in serious federal environments anyway, is that mistaken?

I'm a Federal contractor. At least for my agency this is table stakes for any application period. I don't even have a password anymore. For the very small number of legacy applications that don't support smart card auth I have to log in to a different service to get a temporary password that expires after 24 hours.



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