Richard is having issues with Windows XP and his password. Leo says that Microsoft has stopped supporting Windows XP, and Richard shouldn't use it online anymore. And if Richard can't use some of his programs, it's probably time to move on to new versions. Office, for instance, Leo recommends using Office365. FrontPage is dead. Money is dead.
Leo says Richard needs to upgrade to Windows 10 if he wants to do anything moving forward and look for more updated apps for the apps he's been relying on with that old machine. The web has just moved on.