PayPal Sandbox Username/Password error

Developing applications that utilize Paypal can be a bear. I've done it twice so far and for some odd reason Paypal likes to change things up frequently.

After going through the 2,000 steps to signup for a developer

trunk/vendor/plugins/activemerchant-1.3.2/lib/active_merchant/billing/gateways/paypal/paypal_common_api.rb


      URLS = {
        :test => { :certificate => 'https://api.beta-sandbox.paypal.com/2.0/',
                   :signature   => 'https://api-3t.beta-sandbox.paypal.com/2.0/' },
        :live => { :certificate => 'https://api-aa.paypal.com/2.0/',
                   :signature   => 'https://api-3t.paypal.com/2.0/' }
      }