I forgot one…

A user name and password counts as two factor authentication. It requires a name AND a password

@jerry I have a name, I know my password and I am interested in logging in. That's something I have, something I know and something I am.

Three factor authentication, baby.

@deeseearr @jerry Proper authentication uses five factors: something old, something new, something borrowed, something blue, and a silver sixpence in your shoe.
@mansr @jerry
And your password should contain two named characters who have a conversation about something other than a man.