A question which occurred to me, and I thought I'd put before an
audience of the wise:

* What advantages, if any, do client certs have over number-sequence
  widgets such as e.g. the HSBC Secure Key, used with SSL?

http://www.hsbc.co.uk/1/2/customer-support/online-banking-security/secure-key

It seems like they have numerous disadvantages (some subjective):

* Client certs can be invisibly stolen if a machine is compromised
* Client certs are harder to manage and reason about for an average
  person
* Client certs generally expire and need replacing, with no warning
* Client certs are either single-machine, or need a probably-complex
  copying process

What are the advantages?

Gerv
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