On the Security of ``an efficient and complete remote user   authentication scheme''
  Recently, Liaw et al. proposed a remote user authentication scheme using smart cards. Their scheme has claimed a number of features e.g. mutual authentication, no clock synchronization, no verifier table, flexible user password change, etc. We show that Liaw et al.'s scheme is completely insecure. By intercepting a valid login message in Liaw et al.'s scheme, any unregistered user or adversary can easily login to the remote system and establish a session key. 
Manik Lal Das