Who owns this PC? Yes, that is a good question, especially when you meet this screen during setup. No where is there a mention of how to create a local account? You have to reluctantly press the "I own it" link, even though it clearly says, "We'll set it up as yours using a Microsoft account." Then you have to press the tiny "Skip this step" on the next screen, forcefully trying to suck you into Microsoft's Cloud of happiness, before you can create a local account! BAD BILL !!!