##actions.class.php
  protected function processForm(sfWebRequest $request, sfForm $form)
  {
    $form->bind($request->getParameter($form->getName()), $request->getFiles($form->getName()));
    if ($form->isValid())
    {
      $sf_guard_user = $form->save();
      $this->redirect('settings/index');
    }
  }

##SettingsForm.class.php (Master form)
class SettingsForm extends sfGuardUserForm
{
  public function configure()
  {
    // Remove all widgets we don't want to show
    unset(
      $this['is_active'],
      $this['is_super_admin'],
      $this['updated_at'],
      $this['groups_list'],
      $this['permissions_list'],
      $this['last_login'],
      $this['created_at'],
      $this['salt'],
      $this['algorithm'],
      $this['applications_list'],
      $this['organizations_list'],
      $this['user_id']
    );
    // Setup proper password validation with confirmation
      $this->widgetSchema['password'] = new sfWidgetFormInputPassword();
      $this->validatorSchema['password']->setOption('required', true);
      $this->widgetSchema['password_confirmation'] = new sfWidgetFormInputPassword();
      $this->validatorSchema['password_confirmation'] = clone $this->validatorSchema['password'];
      $this->setDefaults(
        array(
	  'password'=>'',
	  'password_confirmation' => ''
	)
      );
      $this->mergePostValidator(new sfValidatorSchemaCompare('password', sfValidatorSchemaCompare::EQUAL, 'password_confirmation', array(), array('invalid' => 'Both passwords must be the same.')));

// Embed attempt 1 - WORKS
      $this->embedAppForms();

// Embed attempt 2 - WORKS
      $sub_form = new SubForm($this->getObject()->getSubObject());
      $this->embedForm('SubObject',$sub_form );
  }

  protected function embedAppForms(){
    $user = $this->getObject();
    foreach($user->getApplications() as $application){
      $options = $this->options;
      $options['user'] = $user;
      $options['application'] = $application;
      $object_class  = $application->getObjectName();
      $getter_function = 'get'.$object_class;
      $form_class = $object_class.'SettingsForm';
      $object = $user->$getter_function();
      $appform = new $form_class($object,$options);
      $this->embedForm($object_class,$appform);
      unset($options);
    }
  }
}

##SubObject.class.php - The object of the embedded form
class SubObject extends BaseSubObject
{
  public function getObjectPassword(){
    $salt = $this->_get('salt');
    $password = $this->_get('object_password');
/* MAGIC returns $decrypted_password*/
    return $decrypted_password;
  }
  public function setObjectPassword($password){
    if(!$salt = $this->_get('salt')){
      $this->setSalt();
      $salt = $this->_get('salt');
    }
    $salted_password = $password.$salt;
/* MAGIC returns $encoded_password */
    $this->_set('google_password',$encoded_password);
  }
  public function setSalt(){
    $salt = uniqid();
    return $this->_set('salt',$salt);
  }
}