If you want to download your mail onto your laptop using Outlook Express, Windows Mail or similar program, you need to set up an account on it first. If you access your mail that way, and your laptop crashes without a backup copy of your files, you'll lose all your contacts, messages, etc. So webmail has advantages.
I did wonder if there was some security software or something on the laptop preventing access. I've used McAfee Internet Security for years witout problems, but only on my desktop. To disable it and try accessing your webmail, you have to go into the SecurityCentre interface and disable all the bits separately - no simple off switch, I'm afraid. [I also assume your laptop keyboard is set to English uk, of course, and the CAPS lock is off, so your password is correct!]
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