Hi,
The Message:
"The MUST_CHANGE option is not supported by this version of Microsoft Windows. (Microsoft SQL Server, Error: 15195)"
means that you are not working on a WINDOWS 2003 Server. THe implementation of SQL Server 2005, brought us a much wider sort of security mechanism, like exiring passwords, complexity rules etc. but they can be only used on a WIndows 2003 Server. Unless you don´t have one, I would uncheck the checkbox (User must change the password") as thisid throwing the error message.
HTH, jens Suessmeyer.