sub new {
    my $class = shift;
    my $self  = {
                 userID       => undef,
                 userName     => undef,
                 password     => undef,
                 passwordHint => undef,
                 passwordHintAnswer => undef,
                 userActive   => undef,
                 legalName    => undef,
                 scaName      => undef,
                 addressLine1 => undef,
                 addressLine2 => undef,
                 state        => undef,
                 country      => undef,
                 city         => undef,
                 zip          => undef,
                 areaCode     => undef,
                 firstThree   => undef,
                 lastFour     => undef,
                 extension    => undef,
                 emailAddress => undef,
                 @_           # initializer
                };

    bless $self, $class;
}