Which two choices are examples of multifactor authentication? (Choose two.)

Multifactor authentication (MFA) requires two or more independent credentials for verification. Soft tokens, such as those generated by an app on a smartphone, represent "something you have." Unique user knowledge, like a password or PIN, represents "something you know." Both are distinct factors. Single sign-on (SSO) is an authentication scheme, not a factor itself; it allows a user to log in once and access multiple related systems. Passwords that expire are a policy for a single factor ("something you know"), not an additional factor. A shared password repository is a storage method, not an authentication factor.