For an organization considering two-factor authentication for secure network access, which of the
following is MOST secure?

A.
Challenge response and private key
B.
Digital certificates and Single Sign-On (SSO)
C.
Tokens and passphrase
D.
Smart card and biometrics
C is the right answer (something you have , something you know)
D both are something you have
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Ans D is something you have and something you are. Smart card is something you have and Biometrics is something you are like fingerprint retina scan etc
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Biometric is something you Are, And its most strongest Single factor. In that case, if you have to choose between Choice C and D, D will be the answer. The strongest combination of all.
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