@Thadeus: Thanks buddy. Appreciate it. As I suspected, it's got some complexity behind it and the total solution, including emailing, etc. takes a little doing.
I'm going to rethink how I'm approaching this. I think the right thing to do is to leverage the underlying web2py infrastructure for doing the whole user-account creation, validation, login, password retrieval, etc. I've built this kind of stuff from scratch before and it's a pain. So piggy-backing on web2py without modification is a big win. But, I need to skin it to make it belong to my website. I suspect the path I'm taking is making it a lot more complicated than it needs to be. So for the time being, it's back to the drawing board.

