Where Multi-Factor Authentication Stops and Credential Abuse Starts

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Abstract
Organizations typically roll out multi-factor authentication (MFA) and assume stolen passwords are no longer enough to access systems. In Windows environments, that assumption is often wrong. Attackers still compromise networks every day using valid credentials. The issue is not MFA itself, but coverage.
Enforced through an identity provider (IdP) such as Microsoft Entra ID, Okta, or
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