java -jar lib/hsqldb.jar localhost-sa skips the database with localhost-sa urlid

calling the database with urlid "mem" works just fine.

however, calling the database with urlid "localhost-sa" falls through to a
ms-sql urlid for some reason. I am using 1.8.0.7 and did not alter the
server.properties or sqltool.rc files. I was following the Unix Quick Start
(though I am on Windows/Cygwin).

Administrator@LIFEBOOK ~/install/hsqldb : echo $CLASSPATH
C:\cygwin\home\Administrator\install\hsqldb\lib\hsqldb.jar
# -------------------------------------- successful with "mem"
Administrator@LIFEBOOK ~/install/hsqldb : java -jar lib/hsqldb.jar mem
JDBC Connection established to a HSQL Database Engine v. 1.8.0 database as 'SA'.
SqlTool v. 1.55.                        (SqlFile processor v. 1.135)
Distribution is permitted under the terms of the HSQLDB license.
(c) 2004-2005 Blaine Simpson and the HSQLDB Development Group.

    \q    to Quit.
    \?    lists Special Commands.
    :?    lists Buffer/Editing commands.
    *?    lists PL commands (including alias commands).

SPECIAL Commands begin with '\' and execute when you hit ENTER.
BUFFER Commands begin with ':' and execute when you hit ENTER.
COMMENTS begin with '/*' and end with the very next '*/'.
PROCEDURAL LANGUAGE commands begin with '*' and end when you hit ENTER.
All other lines comprise SQL Statements.
  SQL Statements are terminated by either a blank line (which moves the
  statement into the buffer without executing) or a line ending with ';'
  (which executes the statement).
  SQL Statements may begin with '/PLVARNAME' and/or contain *{PLVARNAME}s.

sql> 
# ------------------------------- no luck with "localhost-sa"
Administrator@LIFEBOOK ~/install/hsqldb : java -jar lib/hsqldb.jar localhost-sa
java.lang.ClassNotFoundException: com.microsoft.jdbc.sqlserver.SQLServerDriver
        at java.net.URLClassLoader$1.run(Unknown Source)
        at java.security.AccessController.doPrivileged(Native Method)
        at java.net.URLClassLoader.findClass(Unknown Source)
        at java.lang.ClassLoader.loadClass(Unknown Source)
        at sun.misc.Launcher$AppClassLoader.loadClass(Unknown Source)
        at java.lang.ClassLoader.loadClass(Unknown Source)
        at java.lang.ClassLoader.loadClassInternal(Unknown Source)
        at java.lang.Class.forName0(Native Method)
        at java.lang.Class.forName(Unknown Source)
        at org.hsqldb.util.RCData.getConnection(Unknown Source)
        at org.hsqldb.util.SqlTool.main(Unknown Source)
Failed to get a connection to
jdbc:microsoft:sqlserver://hostname;DatabaseName=DbName;SelectMethod=Cursor as
myuser.  com.microsoft.jdbc.sqlserver.SQLServerDriver



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