I am not confusing BIOS with Grub. I used BIOS when desktop was 2K/XP to select
the drive the way Grub does now. Ubuntu has overwritten the 2K drive.

The boot menu for Safe mode/Setup etc. comes up before Grub even opens. I have
no idea of how a Ubuntu only or partitioned Windows/Ubuntu drive opens. Never
saw one.

Since the Boot menu shows before Grub, I'm wondering if there is a conflict of
info somewhere on booting up since nothing but online sites and email have ever
had a password. I'm just trying to figure out how Ubuntu set up its own criteria
to begin with so I can avoid it in the future. Like I said - once from CD, once
from download so the error has to be on my computer somewhere.

I don't remember Ubuntu asking for a password on install, only when you opened
Ubuntu for the first time.

Is it possible that the user name is wrong - not the password? Where does Ubuntu
get user name from? It has picked up the computer name right, but the computer
name and user name are different, and user name different again on XP.