4- when you get the option to repair the current installation press R to do so ,
5- let it run through and for windows XP wait until it reboots and is installing, devices then
press shift F10 to open a command prompt. For windows 2000 wait until it is registering
components then press shift F10 to open a command prompt. ,
6- In windows XP either type in "nusrmgr.cpl" w/o quotation marks at the command prompt and press enter. For windows 2000 type in "control.exe" w/o quotation marks and press enter. This should open up the user accounts applet in XP and the regular control panel in 2000. ,
7- select the users and change or remove their passwords accordingly, apply settings and close the control panel windows and command prompt windows so that just setup is running again. ,
8- let the inplace upgrade finish.
The user should now be able to log in when it finishes and not have to reinstall the programs like in a parallel install.