Multi user setup & login added

Session accountUsername is now just username
Settings filename now may contain the username if available from a post
or session var
setPWorLogin is now login by default, set password if we create a new
config file
Instead of the posted accountPassword value, we now look to the value of
the submit button and if it contains 'set password' or not
Set session username to the posted value on login or set password and
set to itself on every load
accountPassword form field now just password
Focus on the username or password field, depending on the 1st one shown
on page
Set the value of the submit button to 'set password / login' if
multiUser