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Account deletion and the keep-account data reset now demand a recent second-factor re-verification for accounts that have a second factor active; single-factor accounts are unaffected and keep the typed- confirmation-only contract. The gate runs through requireFreshMfaIfEnrolled, which is cookie-only by construction — a Bearer transport for an MFA-enrolled account cannot satisfy step-up and surfaces the auth.stepup.required envelope so the UI can launch a re-verification flow.