Thank you so much for your really rapid reply. Actually I didn't come to this conclusion myself - it is active on another forum / community that I saw but try as I might I can't find it again. Look - I am not out to denigrate MS because they have givren me some fabulous products over the years and I started with MS-DOS! My immediate problem is whether or not to upgrade to W10 on both my computers because although MS tell us that 110 million people have upgraded I'll bet another 100 million are waiting to see what happens. MS have already put an icon in my task bar without my permission that occasionalyl pops up at me to encourage me to get a move on and upgrade.
But how can I just open either of my computers (in different rooms because that's the way I work) and not put a password in? I don't have to now in W7 but I do in W8.1