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They have had us increase password complexity to an extent that they are having to reset or unlock people's passwords daily. (Because no one can remember them.) In addition, They require frequent rotation of passwords with no similarity to the previous one. But it seems to me that with software to break passwords, no password can be truly secure, as long as the password uses characters that a computer can simulate. So what is the answer? biometrics? But in order for the computer to respond to biometrics the input must convertible to 1s and 0s which again can be hacked by any program sufficiently advanced.