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Overview of Template Accounts for RADIUS and TACACS+ Authentication
When you use local password authentication, you must create a local user account for every user who wants to access the system. However, when you are using RADIUS or TACACS+ authentication, you can create single accounts (for authorization purposes) that are shared by a set of users. You create these accounts using the remote and local user template accounts. When a user is using a template account, the command-line interface (CLI) username is the login name; however, the privileges, file ownership, and effective user ID are inherited from the template account.