Windows 98 has a built in local password policy. If you type in the correct username/password you will acquire your correct desktop settings. However, the major problem with this is security. As you may have noticed you can cancel right by it. However, you will not receive your correct desktop settings if you do. This is a major security flaw in Windows 98 and a major reason for Windows 2000. If you were concerned with security I would upgrade.
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