CreateConsumer BrokerException: User guest is not authorized

I am getting the BrokerException on CreateConsumer() for 'User guest is not
authorized to create: topic://MBS.EVENTS
I can create the ConnectionFactory() and the Connection object
I can create a session on the Connection and retrieve the destination for
the Topic via GetDestination()

I do not know how to set thye security (obviously) for guest ...

My class library (assembly) referencing the Apache.NMS.ActiveMQ has the
configuration

<configuration>
<defaultURI
value="activemq:tcp://127.0.0.1:61616?connection.AsyncClose=false">
<userName value="guest"/>
<passWord value="guest"/>
</defaultURI>

<openWireURI
value="activemq:tcp://127.0.0.1:61616?connection.AsyncClose=false">
<factoryParams>

</factoryParams>
<userName value="guest"/>
<passWord value="guest"/>
</openWireURI>
</configuration>

BUT where should this xml file live? or do I need a different file? and what
should the name be?