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Long Before SAML Documents Start Flying ...
•… the Identity Provider and the Service Provider get together and create a business agreement.
•The Identity Provider tells the Service Provider what kinds of security policies he has, e.g.,
–User passwords are required be at least 8 characters in length and they must contain both upper and lower case letters.
–Users are required change their password at least once every six months.
•The Service Provider decides whether the Identity Provider's policies are adequate for his needs.
•The two parties come to an agreement.  Their lawyers may write up legal documents.
•Thus, when the SAML assertions do start flying, the Service Provider can make assumptions about the Identity Provider.