PAM module for non-interactive services
 PAM has traditionally assumed that services doing authentication have the ability to interact 
 with the user. Unfortunately, this isn't true for services that implement non-interactive and/or 
 fixed protocols, such as FTP and POP3. This is typically worked around by making the flawed 
 assumption that PAM_PROMPT_ECHO_ON requests the username and PAM_PROMPT_ECHO_OFF requests the password.
 .
 With pam_userpass, this assumption is no longer required. pam_userpass uses PAM binary prompts 
 (only available in Linux-PAM) to ask the application for the username and password specifically.
 .
 pam_userpass doesn't perform any actual authentication. An actual authentication module should be 
 stacked after pam_userpass and told to use the authentication token (password) provided by pam_userpass.