ssh encryption

[hypnos <hypnos@m-net.arbornet.org>]

I started sshd with the -d (debug) option to try to
figure this out, and I think I have my answer, but I
want to make sure.

Am I correct in assuming that the encryption between
client/server is started before any exchange of data
takes place?  Specifically, I'm wondering if the
username is passed in clear-text or encrypted when
using the -l <username> option to ssh client.

Thanks

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hypnos              <mailto:hypnos@m-net.arbornet.org>