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I've seen login systems for XP where you actually have to type in your username and password before you're allowed access to the machine but I'm not exactly sure how it's done.
This setting can be switched on and off in the user menu under 'Change the ways users log on and off'. Also I don't understand why anybody would buy a second hand computer with Windows XP preinstalled by some stranger. And why wasn't the hard drive formated before being sold on?? I don't know about you people but I would never buy a preinstalled computer.