PHONE shows

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WEBSITE expects

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1. Unix time ÷ 30, drop the remainder → counter
2. HMAC-SHA-1(secret, counter) =
3. Offset = last byte's low 4 bits = . The 4 bytes from there read as , minus the top bit =
4. mod 1,000,000 = → pad to 6 digits
Steps 1–4 are shown for the website's clock. The phone runs the same steps with its own clock.