diff --git a/README.txt b/README.txt
index 2aa59ac3ac..ed59bf56b7 100644
--- a/README.txt
+++ b/README.txt
@@ -59,6 +59,10 @@ Once you are presented with a prompt that looks like:
 
 You have successfully started OpenSim.
 
+Before you can log in you will need to create a user account.  You can do
+this by running the "create user" command on the OpenSim console.  This will
+ask you a series of questions such as first name, last name and password.
+
 Helpful resources:
  * http://opensimulator.org/wiki/Configuration
  * http://opensimulator.org/wiki/Configuring_Regions
@@ -68,7 +72,8 @@ Helpful resources:
 
 By default your sim will be running on http://127.0.0.1:9000.  To use
 your OpenSim add -loginuri http://127.0.0.1:9000 to your second life
-client (running on the same machine as your OpenSim).
+client (running on the same machine as your OpenSim).  To login, use the
+same avatar details that you gave to the "create user" console command.
 
 == Bug reports ==
 
diff --git a/bin/OpenSim.ini.example b/bin/OpenSim.ini.example
index 5f6d874d06..179c536d32 100644
--- a/bin/OpenSim.ini.example
+++ b/bin/OpenSim.ini.example
@@ -290,7 +290,18 @@
 
 
 [StandAlone]
+    ; If this is set to true then OpenSim only allows in users who already have accounts.
+    ; An account can be created using the "create user" console command.
+    ;
+    ; If this is set to false then an account is automatically created for a user who logs in
+    ; without one.  PLEASE NOTE THAT IN THIS MODE NO PASSWORD CHECKS ARE PERFORMED.
+    ; Therefore, any user can log into any account.  If accounts_authenticate is later switched to
+    ; true then the passwords will need to be reset (using the "reset user password" console command) since
+    ; automatically created accounts have their password set to the string "test".
+    ;
+    ; This setting applies to standalone mode only, not grid or other modes.  Default is true.
     accounts_authenticate = true
+
     welcome_message = "Welcome to OpenSimulator"
 
     ; Inventory database provider