It never even gives me the chance to put in a username or password. 
Go to--
C: --> .gccg (or whatever the equivalent is on a iMac)
Delete both the "username" and "password" files.
When you sign in, make sure you don't wrap your user name in "<>." So just type, "Joe," not "<Joe>."
Anyways, why not go with something a little more unique than Joe in the case that it
is used?
-wtk