1. For HOME you boot SAFE MODE. Forgot how? Google XP SAFE MODE.
2. I use NTPASSWD to reset the password. Free, only mildly scary. Many want a step by step. I just boot it, press return a few times and answer that I want to reset the password.
Where is the administrator login? It's not on the screen showing user accounts. When I find it, what if I lost the password?