JeremyNYC,
I'm not sure that having the passwords in the DB is an all bad thing... Long as Access security is used to lock down the application (developer and all other users).
While I agree that a table is difficult to appropriately secure, it is not a fundamentally flawed idea.
Case in point. Imagine that first thing this morning I copied the MDW file. Then about 9:30 you (John Q User) change your password... I say, "What was your old password?" After a quick exchange I convince you that once changed I can't use your old password. You then give me your password. Then I proceed to use my early copy of the MDW to Logon as You and go muck everything up with your credentials. Conversely, if only the developer has access to the MDW, and Administrator (default User) has permissions that are ok for everybody, then you don't have to worry about special shortcuts to open a MDW or have each user join the correct workgroup. Once the data in the table changes it is done globally. Unless of course someone copies the database, but even then they can't hose the live data. Hmmm... Finally a real reason to use UNC's in linked tables instead of mapped drives. The authentication table MUST be in the same file as the rest of the data or similar stealing of passwords would be possible. At anyrate, if you want something truly secure, give up on JET.