One misunderstanding I had was that the "last_login_time" was most recent previous login.  It is actually set when you logged in for your current session. So I created another field, "previous_login_time" and created a Business Rule that is fired off...

Thank you.   That looks exactly like what I'm looking for.   Where would be the best place to study up on creating advanced business rules?

Thanks.    I'll take this to the Platform community.  I did see that field in the data.   I'm just trying to get that information to be available as the user logs in.