$table->find('username = :name AND password = :pass',
array(':name'=>$name, ':pass'=>$pass));
$table->find('username = ? AND password = ?', array($name, $pass));
$table->find('username = ? AND password = ?', $name, $pass);
$criteria is of TSqlCriteria
$table->find($criteria); //the 2nd parameter for find() is ignored.