Concur and NAM

We are following the ideas here:
http://www.novell.com/coolsolutions/appnote/19673.html

But am lost as to what to do with the URL:
"Finally, after applying the changes to the Identity Server, you need to
define the URL that will perform an IDP-initiated SSO to the Concur SP.
This URL needs to be in the following format (assuming that HTTPS
enabled on both the IDP and SP servers), and assumes that the provider
ID specified in the metadata above matches the Concur SP URL:

https://<AccessManager_IDP_server_hostname>/nidp/saml/idpsend?PID=https://director.concursolutions.com/entity=p0001535kxfs&TARGET="


Is this the URL an end-user would use?
Thanks
-jim