Ok everyone. It is finally working. Here was my problem and it was NOT A TYPO on Thomas' part. In my struts-config.xml file I had <form-beans> but never started the <form-bean> within that element. So I fixed that and I believe all is working. Except I don't know my own username and password. LOL. Anyway, thanks to everyone for the tremendous amount of help solving this problem.
Hey, sticks and stones baby. And maybe a wee mention of my stuff: