XP security permissions

["J. Yoon" <supercool9000 () hotmail com>]

Please advise on a proper way to set folder permissions on XP
without having my programs crash and other friends/users complaining too 
much.

I want to give full permission to myself and administrators. The other 2 
accounts "friends/family" in my box, i don't want them to mess with any 
system settings but still want to give them the option of installing some 
softwares at a designated folder, run MS office/webbrowse/messenger/games...

As for everyone else, is it possible to default deny all access? Seems like 
when I put Deny Everyone, it denies access to even myself.

1) In the Program Files folder and WINDOWS folder,
which folders should I be giving read/write/modify permissions to
so that programs don't fail when limited/guest users run the programs?

2) Which folders need SYSTEM  and USER?
I noticed that WINDOWS folder had some of these id's present in the security 
tab.

3) how should the hidden system folders, page file, recycle, system volume 
information folders
be set to and to whom shoudl perms be given?

4) how about Program Files/MSN Messenger, Program Files/Microsoft Office
Sound /video card driver directories,
anti virus, firewall dirs

i noticed that some programs need write privilages to run properly
should normal users have modify privilages as well for some programs?
if so which?

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