Why do I need a User Name and Password?
The User Name and Password is needed to get you into your area of the Database. With the old system, you would fill out a form on the website to add or change your email address, or to add your home address info. That form would be sent to me in an email. I would have to manually transfer all the info to the database. Now it's updated in REAL time, by you, when you fill in your information and click on the "Update Info" button, alleviating the need to manually transfer the data.