The format of the userdata file (Username.D) is as follows:
Last updated: Feb. 14, 1999

<password>
<last logout time> [<last login time> [<total login time> [<freeze duration>]]]
<last login site>
<description>
<level>
<number of read mails>
<column setting>
<rows setting>
<bold boolean>
<arrested boolean>
<line wrap boolean>
<echo boolean>
<paging boolean>

Each of these entries are explained below:

<password> = encrypted form of users password, first two letters are the salt

<last logout time> = time of last logout (seconds since 00:00:00 Jan 1, 1970)

<last login time> = time of last login (seconds since 00:00:00 Jan 1, 1970)

<total login time> = total time user has been logged in to talker (in seconds)

<freeze duration> = This value is used to indicate whether the account is
	frozen (ie. user is not allowed to log in)
	-1 indicates the account is frozen indefinitely
	0 indicates the account is not frozen (ordinary account)
	values greater than 0 indicate specify the number of days till the user
	is allowed to log in again

<description> = users description as set with .desc (eg: " - a newuser")

<level> = number version of users level, the numbers are defined in 
	config.h but should be the same as this lookup table:
	0 -> DUNCE
	1 -> USER
	2 -> WIZARD
	3 -> SU

<number of read mails> = number of mail entries you have currently read 
	(this is used to determine if you have new mail)

<column setting> = your current column setting
<rows setting> = your current rows setting
<bold boolean> = 0 if bold is disabled, 1 if bold is enabled
<arrested boolean> = 0 if you are not arrested, 1 if you are
<line wrap boolean> = 0 if you don't want automatic line wrapping, 1 if you do
<echo boolean> = 0 if you don't want characters you type to be echoed, 1 if you do
<paging boolean> = 0 if you don't want output a screenful at a time, 1 if you do


An example user data file looks like this:

$ cat Fred.D
ABwOg1D2JDxIQ
913265254 913265169 109 0
localhost
is the local caretaker
4
0
80
24
0
0
1
0