Ask user for password just when logging in

Subject: Reset password instructions
("drop us a line" points to "howdy@neighbor.ly")
![screen shot 2014-10-18 at 10 13 34 am](https://cloud.githubusercontent.com/assets/667753/4689723/9c18727e-56c8-11e4-98a9-1308381d2e8b.png)

@snconnolly Any changes in the e-mail for password reset?

Fixes #795.