Evidently my use of the word "account" created some confusion. (Or perhaps the confusion is mine.)   

When I click on the Netscape icon I expect to get (and normally do) a window called Netscape Profile Manager, which will list my profile and my wife's profile. I suppose I should have referred to "profile" instead of "account". Clicking on mine opens Netscape with Mudcat as my home page; clicking on my wife's profile name opens it with Yahoo. For both of them, the ISP is SBC/Prodigy. My problem is that occasionally, for no apparent reason, opening Netscape just skips the profile manager and puts me into one or the other profile mode. Getting out and coming back into Netscape does not change that. The only way I have been able to restore the profile manager choice is to reboot.

I have had such separate profiles (or accounts??) for a number of years, through WIN 95, WIN98, and XP PRO. I have never been required to log in as administrator in order to anything in any of those. If I have had to create an "Administor Account" in the process of setting up any of those, I don't remember it, and have never had to use it. I wouldn't know how to log in as administrator if I were required to do so.

I'll give the "three-finger-salute" approach a try. I have a vague feeling that I have tried that in the past and it didn't work, but I wouldn't take an oath on it. If that is so, I don't remember how the system acted. All I can do (unless otherwise instructed) is to wait for the problem to recur.

Dave Oesterreich