Interesting concept, I just tried to figure that out on mine. I use Safari (I'm the admin) but when I log out and my wife logs into her account the same thing. She has her log in password and I have my password which is the same admin I use to install programs and make upgrades, but neither of those 2 worked, until I tried to remember a password I used last year to set up the accounts, which is really off base. Haven't tried opening Keychain yet because I didn't think I was using it (never set it up, or want to) Is it an automatic program that lurks in the background?