I tried running in safe mode and I tried to start with "last known good configuration" and anything I have done just takes me back to the same user screen that has no users.
If I press Ctl-alt-del twice, it gives me a screen for user and pswd -- Never had this before so I don't have a valid password to give it and the ID is filled in.
Can't get to my desktop to do anything - Sending this from another machine.
Two weeks ago I upgraded to SP2 and got all recommended updates, but has been running fine for the last two weeks until today. If I do a XP repair I figure I will probably lose all the work I did a couple of weekends ago.