tmda Pending Messages

I am doing the initial testing of tmda and installed it with minimal 
configuration.  I setenv for RECIPIENT, SENDER, and EXTENSION and 
manually cat'd a message to tmda.  It recognized that it needed to send 
a confirmation which it did, but then it put the incoming message in 
root's pending directory, not the user's.  The .tmda directories exist 
for both root and the user.  Keygen was run for both.  The config file 
is basically the one in examples.  A ktrace of tmda shows that it never 
accesses anything for the user, just root.  I have run the cat as both 
the user and root with the same results (except when run as the user it 
can't actually write to root's pending directory).  What am I missing?