While he presents a great overview of all the problems with static knowledge based authentication, I get the feeling that the very fact that this hearing was called for implies there is already a strong consensus that the current status quo is a big problem. To me it falls a bit short because he primarily elaborates on the details of the problem without offering any suggestions on how to move forward towards a solution. I mean, the details may help understanding which could inform improved policy, but these politicians also need guidance on what actions to consider.