The answer is option (a), the use of long and random passwords.
A single factor authentication does not require a second factor (something that the person logging in "has" or "is"), over and above the original factor which mosty is a password or pin. Except (a), all the options require a sceond factor/comparison against something, whether that be b) checking registry information of a caller, c) checking against a voice sample or d) doing a callback verification. A long and random password makes unauthorized access difficult.
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