My limited user is not so limited

I tried to improve the security of my home machine by making the
accounts my wife and I use into "limited user" accounts in XP Home. I
first created a new admin account, of course, with a really long
password.

Now, when I've restarted my computer and logged into my old account
(which is now *limited* and no longer admin), it shows *some* signs
that it's limited but I don't think it really is completely.

Signs it is NOT really limited:
I can install software!! Seriously, I thought limited users could not,
but I totally installed a trojan simulator which even modified my
registry (TSServ.exe). Also installed Google Earth for fun. All
logged in as this limited user and I did NOT do any "run as", nor did I
EVER have to provide that long admin password I mentioned. Ever.

Signs is IS limited:
Norton AV will no longer let me change settings.
Windows won't let me change the time on my clock (says I must have
admin privs)
Windows won't let me create files on c:\ (the root folder).

So, what's up with this? I'm no more secure than I was!!

.

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