What is the significance of the following statements: a. Copying of the password should not be allowed. b. The password should have defined validity. It should be ensured that password issuance are periodically changed, recalled or revisited to cover such events as password aging. If the password is not changed by the stipulated timeframe the user account must get locked. c. When the electronic signature of one user is to be administered by another user, then a joint signature of two other users is needed. d. User password should not be accessible to administrator.

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