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how do i factory reset my computer?

i have tried to reset my computer back to factory settings. i dont have a disc and i have tried F8 F11 keys but it ask me for username and password witch i do not have. please help
Ray, March 2011
We need to know some more information to help you.

Absoletely needed:
What brand and model of the computer?

Not needed:
Amount of RAM, brand and model of the video card, CPU speed, hard drive specifications.

Electro, April 2011