README review changes

Author: d-w-moore

README.md

@@ -166,12 +166,18 @@ Creating PAM or Native Credentials File (.irodsA)
 -------------------------------------------------
 
 ```Two free functions exist for creating encoded authentication files.
-    irods.client_init.write_native_credentials_to_secrets_file
-    irods.client_init.write_pam_credentials_to_secrets_file
+irods.client_init.write_native_credentials_to_secrets_file
+irods.client_init.write_pam_credentials_to_secrets_file
 ```
 
-Each takes a cleartext password and creates an appropriately encoded version of it
-as an .irodsA file in the login environment, if none is pre-existing.
+Each takes a cleartext password and writes an appropriately processed version of it
+to an .irodsA (secrets) file in the login environment.
+
+Note, in the `pam_password` case, this involves sending the cleartext password
+to the server (so SSL should be enabled!) and then writing the scrambled token that
+returns from the transaction.
+
+If an .irodsA file exists already, it will be overwritten.
 
 PAM logins
 ----------