F5 (critical, confirmed on the local server): the 2FA step accepts an empty or missing temp token, so users with 2FA on can be logged into without a password. F1 confirmed: with the placeholder secret a user's current token can be rebuilt. F8 confirmed. New findings F6, F7, F9 to F12. Review only, no code changes. Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>