Thanks robbak!
The /etc/ssh/sshd_config was the key.
I had "AllowGroups" set to only a couple of groups, and I had not added the new accounts to either of them in the 'adduser' process. It had been quite a while since I added a new account, and I'd forgotten about my restrictive AllowGroups policy in the meantime. I'll make a memo of it in my system documentation so as not to forget next time!!
Thanks so much for the helpful pointer,
Shawn
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