If you've not yet enacted the mandatory MFA changes, you may have gotten lucky. But enforcement is coming. This article from Paul Ginsberg has straightforward guidance for which users need which type
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Loading velocity curve…
—Views / houraverage velocity since it published
—Peak velocitythe hottest sustained views/hr it ever hit
—vs. their normalpace relative to this creator's own baseline
—Engagementlikes per view — real engagement is hard to fake
—Agehow early Slope caught this surge