{{ stage==='creds' ? 'Login to Your Account' : (isQuickLogin ? 'Quick PIN Login' : (pinSetup ? 'Set Your PIN' : 'Enter PIN')) }}
{{ stage==='creds' ? 'Enter your username & password to login' : (isQuickLogin ? 'Enter your PIN to continue (active for 24 hours)' : (pinSetup ? 'Create a 4–6 digit PIN to secure your account' : 'A 4–6 digit PIN is required to continue')) }}
{{ quickUsername }}
{{ t.msg }}