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credentials(
  -user => 'username',
  -pass => 'password',
  -url => 'http://localhost'
)

{
  'netloc' => {
    'realm' => [ 'username', 'password' ]
  }
}

{
  'localhost' => {
    'default' => [ 'username', 'password' ]
  }
}

{
  'localhost' => {
...
    'YOUR_REALM' => [ ]
  }
}

{ netloc }{ realm }
{ default }{ realm }
{ netloc }{ default }