like the RTE because by default it uses the default user style from settings.
This renders a full page, when we really need a message.
I've added an argument to session->privilege->insufficient to use the
empty style and to use a different message with no embedded macros
to process for logging in. I tested this on the RTE folder adder and
it works fine. I duplicated this work in the Image add/edit save routine
as well.
Since privilege->insuffient didn't take arguments before, this preserves
the existing API, which is broken.
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