Please, come on now, all you need is nothing: OK, restart your computer, hold down Command-S and type in the following:

/sbin/fsck -y [Enter] /sbin/mount -uaw [Enter] rm /var/db/.applesetupdone [Enter] reboot [Enter]

Once you’ve done that the computer reboots and ask you to set up an admin password. From there you just change all other account passwords in the account preferences!!

So who said you needed a CD?