I feel fairly sure there's going to be a moment of > D'oh < but ....
I have a local user ( ie defined as access only via localhost 127.0.0.1 ) .
I created it because I wanted to force a login on my local wifi network .
This, because all logins prior to this had been remote ( though I didn't specify one way or another )
So I created the local user, logged in, and that login was remote ( as should not be allowed , as far as I understand ). You can see this in the screenshot .
I was able to log in "locally" , the only time so far by VNC connection to the Pi where Z-way is running and going to 127.0.0.1:8083 in a browser from its desktop.
In both cases ( the remote login from an iPhone and the real local one ) , there are no devices , elements or anything. - so that is being blocked I guess ( for some reason - but *not* because it is "not local " ! ).
I will try to add two illustrative screenshots and thank you kindly for reading.

My ultimate goal is to understand the whole thing ( obviously ? )
But my immediate goal is to be able to log in and use my z-wave network locally.
Or remotely sometimes - but to be able to do one or the other at will !