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SMS can be fairly easily intercepted, so I would prefer a dedicated app on my cell phone. When I try to log in to my account, the app pops up on my phone, and gives me a short-lived code that I need to use. (1 to 2-minute expiry.) This method would allow encrypted transmission of the data, and public-key security, all within the pleasant and easy-to-use wrapper of an app. (I am basically describing the Authy app, which I am very impressed with. Simple, effective.)
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