{"error":"invalid_grant","error_description":"authentication failure - Invalid Password"}

I am following the guidelines from the Chatter guide and somehow I can't get the OAuth to work. 

It's not working from Java or curl.   Here is what I am doing:

mike$ curl --form client_id=3MVG9yZ.WNe6bxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxu5AjB4oT9kxi8SEhY --form client_secret=26542xxxxxxxxxxx78  --form grant_type=password --form username=xxxxxxxx@gmail.com --form password=xxxxxxx https://na11.salesforce.com/services/oauth2/token

What I am getting is:

{"error":"invalid_grant","error_description":"authentication failure - Invalid Password"}

I double checked and I am getting into na11 with the right password.  Is there anything else I need to do?

Here are the settings in my remote access: