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> Hopefully the idiots who call themselves security experts will stop making me answer "what's my mother's maiden name".

This is done by developers, not security experts. If security experts had their way, it would be equally bad but for the right reasons, ie client-side certificates or smart cards.

Calling them idiots is also wrong. Its a bad solution to a hard problem, but it works and scales and users have been trained to expect it.




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