Thanks Skizzerz. That is what I found so far. Only my email address works. I guess I cannot get account panel and forum to match. That is ok... I will just use the script Gouri suggested (
http://x10hosting.com/forums/changeuser.php) to change forum username and live with that.
Odd thing is... I am now confused what the "Swap x10Hosting Forum Account Link" found under Account/Forum Account actually does.
I guess it links Forum and Host accounts, but that actually has nothing to do with the host account login (which is still email address). Does that sound about right?