Services start before a user logs on. Examples would be personal firewalls
and usually anti virus programs in addition to normal operating system
services. After the user logs on there may be further applications started
and usually are. You can use Task Manager to look at processes and look for
processes that are running under the logged on user name. A service can also
use a users credentials but by default none are. You can use services.msc to
see the services on the computer and view the logon column to see what
account the service uses which normally is local system or network service
on Windows XP Pro for instance. SysInternals has a free tool available
called Autoruns that may be of interest to look at startup applications.
You may also find the built in msinfo32 [enter into run box and select OK
to start] helpful when you look at software environment categories. ---
Steve
http://www.sysinternals.com/utilities/autoruns.html