/// <summary>
 /// Creates the body content for a password flow request
 /// </summary>
 /// <param name="credentials">Dinero user.</param>
 /// <param name="scopes">If left empty defaults to 'read' and 'write' scope.</param>
 public DineroCredentialsBodyContent(DineroCredentials credentials, IEnumerable<string> scopes)
     : base(new[]
     {
         new KeyValuePair<string, string>("grant_type", "password"),
         new KeyValuePair<string, string>("scope", ScopeToString(scopes ?? DefaultScope)),
         new KeyValuePair<string, string>("username", credentials.Username),
         new KeyValuePair<string, string>("password", credentials.Password)
     })
 { }
 public DineroSettings(ClientCredentials client, DineroCredentials user, IEnumerable<string> scopes = null)
     : this(client,
         new DineroOauth2Client.DineroCredentialsBodyContent(user, scopes))
 {
 }