$credentials = get_option('ftp_credentials', array( 'hostname' => '', 'username' => ''));
// If defined, set it to that, Else, If POST'd, set it to that, If not, Set it to whatever it previously was(saved details in option)
$credentials = get_option('ftp_credentials', array( 'hostname' => '', 'username' => ''));
// If defined, set it to that, Else, If POST'd, set it to that, If not, Set it to whatever it previously was(saved details in option)