Mark,
Another item that you will have to get acquainted with is the Group Policy editor. Under the System32 directory, double-click on GPEdit.msc. This is where all default settings for system and users are configured.

>There is nothing there. Should I have something like C:\Documents and Settings\Jane for the profile location? I will check when I get home tonight about the access rights. I guess I was kinda hoping creating the user did some of this for you [like Novell does]. This is my first venture into the world of NT.

Nothing is usually good. If nothing is specified the Default policy set up in the Policy editor is used.

*snip*