Why no login asked by SVN?

I just newly installed and configured both SVN v1.6.5 and TortoiseSVN v1.6.5
on Windows XP professional with service pack 3. Everything seems working
fine in both the TortoiseSVN client and command prompt client. I can
import, add, checkout, update, commit, delete, revert,... but I am surprised
that none of the clients requires any login information. I have never
supplied one. I also checked the directory "%APPDATA%/Subversion/auth/" and
found nothing (except for a few empty folders).

In my svnserve.conf of the repository, I use the generic approach that has
the following few lines (no path-based authorization).

********************
# anonymous users
anon-access = none

# authenticated users
auth-access = write

password-db = passwd

realm = My First Repository for test

********************

In the password file (i.e., "passwd"), I followed the format to create
users/passwords.

Anyway, as you can see, the anonymous users are set to none but it seems
that there is no authentication needed at all. Is there something I've
missed or done wrong?

Any thought? Thanks.

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