Apple Remote Desktop – Failing

FYI:  I’ve done this before – but this time, there was a problem.

So, I ran into a weird issue when trying to connect to a Mac via my ARD console.  I had the correct local user/pass – but it was failing – the now infamous box below.

I checked sharing in sys-prefs and my admin user was there & all appropriate perms were there as well.
I’ve been using this Apple discussion article for all the Remote Desktop configurations I’ve done (and that’s quite a few); in particular, I use this command:

/System/Library/CoreServices/RemoteManagement/ kickstart -activate -configure -access -on -users otech -privs -all -restart -agent -menu

After examining the Remote Management section again, I notice something.  “All users” is selected & my user, otech, is listed in the “Only these users:” section.

Moving the selection to “Only these users:” fixed the issue immediately & is reproducible each time.