patch 8.1.0485: term_start() does not check if directory is accessible

Problem:    term_start() does not check if directory is accessible.
Solution:   Add mch_access() call. (Jason Franklin)
diff --git a/src/channel.c b/src/channel.c
index aa0a0d3..02ed3a8 100644
--- a/src/channel.c
+++ b/src/channel.c
@@ -4916,7 +4916,8 @@
 		if (!(supported2 & JO2_CWD))
 		    break;
 		opt->jo_cwd = get_tv_string_buf_chk(item, opt->jo_cwd_buf);
-		if (opt->jo_cwd == NULL || !mch_isdir(opt->jo_cwd))
+		if (opt->jo_cwd == NULL || !mch_isdir(opt->jo_cwd)
+				|| mch_access((char *)opt->jo_cwd, X_OK) != 0)
 		{
 		    EMSG2(_(e_invargval), "cwd");
 		    return FAIL;