Have tried copying to "c:\temp", nothing there (works for domain admins).

Tried giving everyone full control of the file, still nothing there.

As far as I can understand there has to be something in the way things work when they log on. Obviously the file isn't accessible to the user during the login, it is after the login has been done, but not until the explorer is up. The strange thing is that it's accessible to a domain admin during the login process both on an XP and a W2K machine.