This document discusses single sign-on (SSO), including the pros and cons. It outlines different SSO standards and categories like network-based, federated, and outlines who typically owns SSO implementations. It notes that while SSO provides benefits like a consolidated user experience and cost savings, it also presents challenges like being a large effort, requiring flexibility, and creating a single point of failure. The document discusses how SSO requirements can be complex due to a variety of user and application types and factors. It concludes by examining trends like the move to APIs and cloud/mobile and how users want more options, and provides examples of SSO challenges in different industries.