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Ching, I think you are mis-understanding the difference between reformatting which is a clean install and recovery install,,, the only time Windows XP installation will ask you for the Admin password is when you select recovery install. Get you head together, have a coffee instead of a beer and read the link that was provided by "Azn_tweaker" ,, Installing Windows XP is easier than you think,, you just have to select the right options and that requires reading the options.
cheers
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