Are you using davidtroy account now?
Jennifer account is locked...
And there are a few other oddities there. The windows path on many files, davidtroy\something...
And some of the accounts having a capital letter in the account name.
Would this look familiar? Mac OS X 10.3, 10.4 or later: Return to default desktop, apparent "loss" of home directory
http://docs.info.apple.com/article.html?artnum=107854