Built against `master` branch 801dd40666d1e6009920ad3ff755c7bb993b2a62:

If I have no wallet.dat file and run:

    bitcoind -usehd=0

A new wallet.dat file is created and an HD seed is assigned.

I see an error message in the source:

    "Error loading %s: You can't disable HD on an already existing HD wallet or create new non-HD wallets."

but that doesn't get shown because `fFirstRun` is true, and so the code which checks for `-usehd` values doesn't run.

If it's no longer possible to create non-HD wallets, specifying -usehd=0 when creating a wallet should be an error, and not get silently ignored.
{
    CAmount nTotal = 0;
    {
        LOCK2(cs_main, cs_wallet);
        for (std::map<uint256, CWalletTx>::const_iterator it = mapWallet.begin(); it != mapWallet.end(); ++it)
        {
            const CWalletTx* pcoin = &(*it).second;
            if (!pcoin->IsTrusted() && pcoin->GetDepthInMainChain() == 0 && pcoin->InMempool())
                nTotal += pcoin->GetAvailableCredit();
        }
    }
    return nTotal;
}
CAmount CWallet::GetImmatureBalance() const
{
    CAmount nTotal = 0;
    {
        LOCK2(cs_main, cs_wallet);
        for (std::map<uint256, CWalletTx>::const_iterator it = mapWallet.begin(); it != mapWallet.end(); ++it)
        {
            const CWalletTx* pcoin = &(*it).second;
            nTotal += pcoin->GetImmatureCredit();
        }
    }
    return nTotal;
}
CAmount CWallet::GetWatchOnlyBalance() const