CMR is faster, but SMR is cheaper. (Very simplified.)

The worst about those is that they only give you 6 questions to choose from, and all of them are really bad as security questions.

They should have had a list of at least 20 to choose from. Preferably the ability to enter your own as well.

I almost upvoted you, then I realized you had 42 upvotes.

You forgot Africa and all the Mexican countries.