The first factor merely requests your ID.
The second factor requests your password.
The third factor requires you to answer three personal questions.
The fourth factor requires you to solve a simple mathematical question.
The fifth factor requires you to use a token-authentication.
The sixth factor merely asks you to wait for 4 seconds.
The seventh factor asks you for your birthday.
The eight factor asks you to type a specific letter 10 times in 5 seconds.
The ninth factor asks you to identify the kitty in fourteen images…
Reminds me of Ockhams Razor(!): (paraphrasing) the simplest solution tends to be the right one, until proven wrong. So perhaps we should really try to find a solution without passwords… I think SQRL is a nice option to explore…