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.
mapValue.clear();
        vOrderForm.clear();
        fTimeReceivedIsTxTime = false;
        nTimeReceived = 0;
        nTimeSmart = 0;
        fFromMe = false;
        strFromAccount.clear();
        fDebitCached = false;
        fCreditCached = false;
        fImmatureCreditCached = false;
        fAvailableCreditCached = false;
        fWatchDebitCached = false;
        fWatchCreditCached = false;
        fImmatureWatchCreditCached = false;
        fAvailableWatchCreditCached = false;
        fChangeCached = false;
        nDebitCached = 0;
        nCreditCached = 0;
        nImmatureCreditCached = 0;
        nAvailableCreditCached = 0;
        nWatchDebitCached = 0;
        nWatchCreditCached = 0;
        nAvailableWatchCreditCached = 0;
        nImmatureWatchCreditCached = 0;
        nChangeCached = 0;
        nOrderPos = -1;
    }
    ADD_SERIALIZE_METHODS;
    template <typename Stream, typename Operation>
    inline void SerializationOp(Stream& s, Operation ser_action) {