Well, this killed an hour this morning.  So I ran some Mac updates the other day and now every time I (re)start my Mac, the Guest user shows up as one of the user choices even though it was disabled.  I’m running OSX El Capitan and using FileVault and it looks like some weird bug with the EFI implementation.  So at least there is a fix found by someone much smarted than I in the weird way of Macs.  Here is the fix on StackExchange…