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> Not everyone has smart phones.

> Not everyone that has smart phones keep it on them all the time.

> Not everyone that has smart phones that keep it on them all the time have a working (charged) phone all of that time.

What do smart phones have to do with sms?

Disregard that adjective:-p I'm an idiot:(

Not an idiot :) You make a good point that people don't have their phones on them & alive all the time which is where totp can come in with dongle totp's (like http://www.securemetric.com/secureotp-time.php) agreed it costs you a fair amount but if you want secure when you don't have your phone... it's worth it. And then maybe like google have a few longer random passwords that are to use when you don't have your phone or a TOTP/OTP generator.

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