> If you have automatic login selected in System Preferences>Accounts (click the Login Options button if you're not sure), you won't be asked for a password; you'll simply get logged in when you select the account.

"Automatic login" automatically logs you in to an account only when you start up or restart; when you log back in to an account after having logged out you've got two login window options:
                                   
Quote:
List of users
Name and password

...selection made at /SysPrefs/Accounts > Login Options, and both require tht you enter a password.

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