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USR_PWDEXPIRY_DT
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The expiry date of the current login password
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Password expiries in 45 days since being reset
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It is set to NULL when the user account is initialized
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If NULL, then the user will be asked to change password immediately.
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Each time the user login in, the system checks the password expiry time. If the password expiry time > the login time, then the user will be redirected to the change password page.
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USR_ACCESS_FLAG
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To control the enable/disable the user account.