i'd pay you... to think of an answer. 

On 31 March 2016 at 21:17, David Pick <D.M.Pick@qmul.ac.uk> wrote:
On 31/03/16 10:03, hiro wrote:

> people would probably not talk with me if they had to 2-factor first.
> they just ring and that's it.

But that *is* two-factor: they're using something you have (the
telephone number) and a biometric (your voice).

--
David Pick
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Queen Mary University of London
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