I went ahead and set a pin for the admin account. I used my password for that creation. I don't want to have 2 things to note or remember or whatever - so now I assume I can use that pin and not have a password for that account. THEN! I logged off and tried to switch back to standard account and a "create a pin" window came up. When I tried (twice) to do that, it failed and said it wasn't able to create a pin. I know these OS are complex entities and I should not complain but it does get frustrating when you come from 2 OS that were pretty straightforward (XP and Seven) and are forced into a whole new OS that is gidgetty....I also understand that MS wants OS upgrades for the biz world - I wish they would give the home user - the average consumer - the option of either staying with what you like (old OS)or going on to the new OS. Thanks for all help.