from account creation....we have had several issues that we create account ahead of time...and by the time the user tries to log in the first time...they run into problems as their account doesn't meet requirements for 2STEP....
however it is important to note...it's an easy fix...simply generate the temporary codes and provide...they use that code, and proceed...
however on a phone it won't continue the wizard...so encourage people to do it on a computer browser