private static UsernamePasswordCredential newUserPassCredentials(final String user,
                                                                     final String pass) {
        val credential = new UsernamePasswordCredential();
        credential.setUsername(user);
        credential.assignPassword(pass);
        return credential;
    }
High-level MFA functionality tests that leverage registered service metadata
to drive authentication policy.

@author Marvin S. Addison
@since 4.0.0
core/cas-server-core-webflow-mfa/src/test/java/org/apereo/cas/MultifactorAuthenticationTests.java