Given The Following List Of Potential Authentication Credentials Identify As

Given the following list of potential authentication credentials, identify as many combinations as possible that can be used to implement (a) a multi-modal authentication process and (b) a multi-factor authentication process. Consider both combinations of two and of three credentials. List of possible credentials:
• Passphrase
• Smartphone that displays text to enter
• Security question
• Voice recognition
• USB flash drive that displays a different code every 60 seconds
• Picture to be identified from a set of pictures

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