Hmm, Windows98 isn't that great for multiple users and security is it =) I would probably suggest the PGP solution then. As I mentioned, it can be a bit slow with the encrypting and decrypting, but at least your stuff will remain private. You can encrypt entire folders, single files, and it also has a shredder, which will delete your file, and overwrite the harddrive with ones and zeros a bunch of times after you delete, to ensure it can't be recovered (easily).