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protecting passwords

Hiya all
I have Vista Home Premium. I am concerned that people can find out my passwords through Tools.I have followed the instructions in the mag but it is for Windows 98- Thwe options that come up on Vista are not the same ie Tools, Options,Security and passwords, the passwords options is not shown or the option to use The Master Password. Anyone know what I should do?
Thanks to all who reply.
You live..You learn.:)

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