Users and CALs

Ok, this is probably a stupid question coming from an IT person, but I’m relatively new to domain-based networks.

If we purchase Microsoft SBS Server 2003 does logging on to the physical server with the admin logon use a CAL since technically it is a user logging in?

Also, Microsoft FAQ says that CALs are NOT concurrent. Does that mean if I set up 7 users, but only 5 log in at a time, am I still using 7 CALs?