Forgot to add that the box for "User must have user name and password "should be ticked then click Reset Password and that is where the boxes should be left blank.

I thought I had this issue resolved, but it has returned. I then tried the suggestions from davehc above. However, I have no choice on my Vista Home Premium control panel for Adminstrative tools so I did a search and found an Administrative tools folder but there is no Local Security Settings to click on. Nothing comes up when I do a search for it and I can find nothing in the Vista Help.