use HOME or HOMEPATH/HOMEDRIVE to find home on windows

Readme.md

@@ -13,8 +13,8 @@ If the file doesn't exist, Netrc.read will return an empty object. If
 the filename ends in ".gpg", it will be decrypted using
 [GPG](http://www.gnupg.org/).
 
-Read the user's default netrc file (`$HOME/.netrc` on Unix;
-`%HOME%\_netrc` on Windows):
+Read the user's default netrc file. On Unix: `$HOME/.netrc`.
+On Windows: `%HOME%\_netrc`, `%HOMEDRIVE%%HOMEPATH%\_netrc`, or `%USERPROFILE%\_netrc` (whichever is set first).
 
     n = Netrc.read
 

lib/netrc.rb

@@ -9,7 +9,10 @@ class Netrc
 
   def self.default_path
     if WINDOWS && !CYGWIN
-      File.join(ENV['USERPROFILE'].gsub("\\","/"), "_netrc")
+      home = ENV['HOME']
+      home ||= ENV['HOMEDRIVE'] + ENV['HOMEPATH'] if ENV['HOMEDRIVE'] && ENV['HOMEPATH']
+      home ||= ENV['USERPROFILE']
+      File.join(home.gsub("\\","/"), "_netrc")
     else
       # In some cases, people run master process as "root" user, and run worker processes as "www" user.
       # Fix "Permission denied" error in worker processes when $HOME is "/root".