text: -- setup user database
  CREATE database users;
  \c users;
  CREATE TABLE accounts (
  	ih CHAR(64) NOT NULL,
  	verifier CHAR(585) NOT NULL,
  	username VARCHAR(64) NOT NULL UNIQUE,
  	id  SERIAL PRIMARY KEY,
  	totp VARCHAR(160) DEFAULT '',
  	address CHAR(99) NOT NULL
  );
  