CAS-003 Question #322: Real Exam Question with Answer & Explanation

While attending a meeting with the human resources department, an organization's information security officer sees an employee using a username and password written on a memo pad to log into a specific service. When the information security officer inquires further as to why passwords are being written down, the response is that there are too many passwords to remember for all the different services the human resources department is required to use. Additionally, each password has specific complexity requirements and different expiration time frames. Which of the following would be the BEST solution for the information security officer to recommend?