{{ stage==='creds' ? 'Login to Your Account' : 'Enter PIN' }}

{{ stage==='creds' ? 'Enter your username & password to login' : 'A 4–6 digit PIN is required to continue' }}

Please enter your username/email/mobile.
Please enter your password!
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Enter 4–6 digit PIN (e.g., 1234).
Expires in: {{ countdown }}s
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