So, let's review it from that simplified point of view:

* The user types the `username` and `password` in the frontend, and hits `Enter`.
* The frontend (running in the user's browser) sends that `username` and `password` to a specific URL in our API (declared with `tokenUrl="token"`).
* The API checks that `username` and `password`, and responds with a "token" (we haven't implemented any of this yet).