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I had a user report that she had to enter three passwords each time, before she could log in. This started when she recently had to change her password. Before that it had required two different passwords.
I watched her log into her computer. Sure enough, she entered three passwords. Turned out the first two logins were just failures, because she was typing in the old, outdated passwords. On the third attempt, she entered her current password and got in.
She had been doing this for months.