Is there any reason to use one of these with Vanguard? If you don't have your key they will SMS you a code which defeats the purpose of using the key. Vanguard made me re-register my key and sign a bunch of legalese about indemnification and holding harmless. I don't think Vanguard supports app based 2 factor. I know that this has been discussed but I am not sure if anything has changed.
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