* new detect for central authorized keys folder
1) must have %u set in the AuthorizedKeysFile list
2) folder must exists (will not be created, if not exists abort)
If above is set, it will create a username file with the ssh key in there
and lock it down as r--/user and +i attrib
else uses old .ssh folder form
* fix for user add with different home base folder
add this as option for the useradd command