code: @Override
      protected UserAccount getFallback() {
          /*
           * first 3 come from the HttpCookie
           * next 3 are stubbed defaults
           */
          return new UserAccount(userCookie.userId, userCookie.name, userCookie.accountType, true, true, true);
      }
docs: Fallback that will use data from the UserCookie and stubbed defaults
  to create a UserAccount if the network call failed.