svn up with svn+ssh insists on wrong password

SVN users:

I set up an SVN server on my (Linux) notebook, with the SSH server. Then I
checked-out once on my CygWin desktop.

Then when I go to 'svn up', the system insists on the wrong user name:

$ svn up
Phlip@localhost.sonse.com's password:
Permission denied, please try again.

That goes 3 times and gives up, as usual. Entering blank for the password
doesn't trigger a request for a user name.

My username on the notebook is 'phlip', and my USER and USERNAME on WinXP is
'Phlip'.

(I also had an ssh id_rsa.pub publickey turned on, but I turned it off and
tried again.)

How do I tell svn to tell ssh my correct username?

And does someone have a case-sensitivity bug? Is someone accidentally
matching the two names, then not giving me a chance to correct the name,
then passing the incorrect name to ssh?

-- 
  Phlip
  http://www.greencheese.us/ZeekLand <-- NOT a blog!!! 
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