I just spent the better part of an hour fixing a
password-related issue I was having, and I thought maybe it
would help people out.  Here's the skinny.  I like doing the
cheap 2-day trials at certain types of sites (use your
imagination) and downloading everything they have.  The site
I was working on tonight was setup with a movie listing
located at:
<http://members.&&&&&&.com/main/members/access/now/movies/index.htm>,
while the movies were located in their own directories like
so:
<http://members.&&&&&&.com/main/members/moviee/as_ms/as_ms.avi>.
 Problem was putting
<http://user:host@members.&&&&&&.com/main/members/access/now/movies/index.htm>
would work for that file and the other html files it linked
to but HTTRACK didn't realize it had to include the username
and password again when the url changed to
<http://members.&&&&&&.com/main/members/moviee/as_ms/as_ms.avi>
or any of the other movies (note as_ms in the above url is
changed for every movie).  Putting
<http://user:host@members.&&&&&&.com/main/members/moviee/as_ms/as_ms.avi>
into the urls to scan page would only end assigning the
password to that one movie file ... and of course I don't
want to get all the links together and type them all in
there as that would defeat the time-saving purpose of the
whole ordeal.  Long story shorter, placing
<http://user:host@members.&&&&&&.com/main/members/moviee/*.avi>
teaches HTTRACK to place the username and password into the
url for EVERY movie file to download fitting that form. 
Solved my problem and hopefully it will solve some others as
well.