RFC 6238 in Common Lisp

I wanted to implement 2FA as per RFC 6238. This is the Time-based One-Time Password (TOTP) algorithm that is used by Google Authenticator and other 2FA apps. This was originally `vibe coded`. The vibe coding got me 80% of the way there, and I made a manual pass to turn it into a more functional style. Feel free to use this under an MIT license. ;;; -*- mode: lisp; coding: utf-8-unix; -*- ;;; RFC…