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Once a password has been issued full responsibility for that account and associated password passes to the user . Right NOW just installing a WinXX cluster on arbitrary hardware ( at the user level ) would be pretty amazingly difficult , I imagine , not only because of the pain of getting through the install menus and post-boot menus and configuration menus , but also because the network and account and shared filespace management for a LAN ( windows or otherwise ) is infinitely beyond most users ' capabilities . With this account and a Web browser , you can access the Internet from home using the CaTS modem banks . A savings account is called a share account and the term for a checking account is a share draft account .