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i have a toshiba laptop and it is frozen. After I click on the user name it freezes on the screen that says "loading personal settings". PLEASE HELP!!

Try another User account or create a new one. Sounds like user Profile may be corrupted.
May be a Virus/Malware infection. Try starting in SafeMode so you can run your Virus/ Malware Scans.
There is nothing to learn from someone who already agrees with you.

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my acer computer wont tur...
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drivers where are they?
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