| Recommended Configuration | SMS | 
|---|---|
| Alternate Configuration 1 | SMS; Authenticator | 
| Alternate Configuration 2 | |
| Alternate Configuration 3 | |
| Account/Password Recovery | PR email; PR SMS only if 2FA is not enabled; PR PII | 
| Remarks | SMS 2FA used as mandatory backup; 1-step login with OTP available if 2FA is not enabled |