Home Directories

Can someone tell me if there is any way to hide other users home directories from everyone else?

Also, what would be the point in having a login script as far as home directories are concerned if you’ve already specified the home directory path in User Manager for Domains? I’ve heard some people say before that this won’t work for Windows 95/98 clients, only NT. How would I set it up for Windows 95/98 users?

Also, I read somewhere that once you specify a home directory for users, it becomes the default “Save as” and “Open” directory for applications except for those with a working directory already specified. Is there any way to override this setting and have the home directory be the default working area for all applications?

Thanks.