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I've found multiple accounts more trouble than they are worth. I just use the one administrator account with no login. My wife has her favourite browser and I have mine. It is very easy to setup private/separate folders for documents etc. Foxmail and others, I am sure, offer secure and separate users within the program for email handling. There is no problem keeping data private via encryption or password protection. I, simply, do not have any problems with this setup.
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