I think Microsoft swapped the names? So called "average users" are (mostly) Administrators and so called "admins" are (mostly) average users. Peeps who have nothing to administrate don't need the extra protection.(joke) I do think you would have less reason to complain if it was called "secure log on" or something like that. Maybe even the yahoo's would use it then?YME: still in the dark ages - Evil, as in Dr.