Question: Charles sits down at a secure terminal. To gain access, he must do three things: 1 . Provide a user name. 2 . Provide the

Charles sits down at a secure terminal. To gain access, he must do three things:
1. Provide a user name.
2. Provide the correct password.
3. Insert his access card ("smart card") into a card reader attached to the computer.
How many forms or factors of authentication are in use here?

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