Steve, the only way to do it is to follow a detailed list of written
instructions - adding and omitting nothing. Just using the wizard
and/or Help files, is simply not enough.
I'm deducing that you are only using the wizard or help files - because
if you were using a proper list of instructions, you would not be in
the spot you are now!
Try the Access Security FAQ, often referenced in this newgroup. Or,
some of the regular posters (not me) have links to their own sets of
instructions.
HTH,
TC