With the help of Adam, pointing the requirement of localhost:...
during connect, I can now connect and create a test.fdb database with
sample table. Sorry about that as the Quick start example did not
indicate I need to use the 'localhost:' string.

Anyhow, when I tried to use C++ program to attach to that database
file using the embedded dll, it failed with the following statement:

Attach database: D:\Temp\Test.fdb failed, sqlcode: -902!
Your user name and password are not defined. Ask your database
administrator to
set up a Firebird login.

The test database was created using isql, which force me to supply
user 'SYSDBA' password 'masterkey' during the create.

So how do I create a database without user/password or how do I supply
the user/password during embedded attach?

I read all the doc that I can find, either I was missing it because it
was not documented in an obvious section that I missed it. So please
excuse my ignorent and not fault me with stupid questions as if I did
not even spent a minutes reading up before I raise questions.

Thanks for info.

jml