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No, you just have to ensure you don't log out and don't lock the screen with a password protected wake if you put the Mac to sleep. Using a password for your Mac isn't a problem: password protecting a "wake" is.
So, you can use a password protected screen saver to protect your Mac, but just ensure that your Mac doesn't go to sleep.
And, no: there's no way to "force" an account to the front if you have three accounts and only one is scheduled... sorry.
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--Dave Nanian
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