@classmethod
def create(cls, client=None, email=None, phone_number=None, legal_name=None,
    **kwargs):
    """Create a user record in API and corresponding User instance.

        Args:
            client (Client): an instance of the API Client
            email (str): user's login email
            password (str): (opt) password (only if users log in via web portal)
            read_only (bool): (opt) False if admin user (default)
            phone_number (str): user's phone number
            legal_name (str): user's legal name
            base_doc (dict): (opt) user's basedocs
            note (str): (opt) note to SynapsePay
            supp_id (str): (opt) supplemental id
            is_business (bool): (opt) False if personal user (default)
            cip_tag (int): (opt) determined by your cip flow (default=1)

        Returns:
            User: a new User instance
        """
    payload = cls.payload_for_create(email, phone_number, legal_name, **kwargs)
    response = client.users.create(payload)
    return cls.from_response(client, response)
