[ale] OT: SMTP/POP3 Password Encryption

[hbbs at attbi.com (hbbs at attbi.com)]

When accessing SMTP and POP3 servers, are the account names and passwords
ordinarily encrypted or do they pass in clear text (provided SSL isn't being used)?

I suspect that they travel in the clear if you aren't using SSL but I wanted to
ask the more knowledgeable.

- Jeff
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