diff --git a/scheme/lib/ftp.scm b/scheme/lib/ftp.scm
index 484cdea..1032536 100644
--- a/scheme/lib/ftp.scm
+++ b/scheme/lib/ftp.scm
@@ -122,23 +122,32 @@
 ;; try to determine a login and password for the server.
 
 (define (ftp-login connection login password)
-  (let* ((netrc-record (netrc-parse))
-	 (login (or login
-		    (netrc-lookup-login netrc-record 
-					(ftp-connection-host-name connection))))
-	 (password (or password
-		       (netrc-lookup-password netrc-record 
-					      (ftp-connection-host-name connection)))))
-    (let ((reply
-	   (ftp-send-command connection (ftp-build-command-string "USER" login)
-			     (lambda (code)
-			       (or (string=? code "331") ; "User name okay, need password."
-				   (string=? code "230")))))) ; "User logged in, proceed."
+  (let* ((netrc-record #f)
+	 (get-netrc-record
+	  (lambda ()
+	    (cond
+	     (netrc-record)
+	     (else
+	      (set! netrc-record (netrc-parse))
+	      netrc-record)))))
+    (let ((login (or login
+		     (netrc-lookup-login (get-netrc-record)
+					 (ftp-connection-host-name connection)))))
+      (let ((reply
+	     (ftp-send-command connection (ftp-build-command-string "USER" login)
+			       (lambda (code)
+				 (or (string=? code "331") ; "User name okay, need password."
+				     (string=? code "230")))))) ; "User logged in, proceed."
 					     
-      (if (string-prefix? "331" reply)	; "User name okay, need password."
-	  (ftp-send-command connection
-			    (ftp-build-command-string "PASS" password)
-			    (exactly-code "230"))))))
+	(if (string-prefix? "331" reply) ; "User name okay, need password."
+	    (ftp-send-command connection
+			      (ftp-build-command-string
+			       "PASS"
+			       (or password
+				   (netrc-lookup-password (get-netrc-record)
+							  (ftp-connection-host-name
+							   connection))))
+			      (exactly-code "230")))))))
 
 ;; Type must be one of 'binary or 'text or 'ascii, or a string which will be
 ;; sent verbatim