Well, what a bit list of questions!
Let's start from string processing. The error you are getting in GetCtrlVal is because you have put
&username: since "username" is an array of chars, its name is the actual address of the array, and is not necessary to add the & operator.
As per the general behaviour of the program, I would prefer to add a "Login" button that displays the user input panel and, if all checks are correct, enables controls on the main panel. I have modified your project in this way and attach it back. By the way, you are loading the user input panel as a child of the main panel, but it is not possible to display a child panel as a modal window, and that is why the controls on the main panel are stil operable when the login p
anes is shown.
Last item, it is not necessary to load all panels at startup. I suggest you to use the MessagePopup function for warnings and to load rarely used panel only when you need them and discard them immediately after.
Hope this helps
Roberto