Remember last user logged on

I have Vista Business. This is a personal machine, so there is no domain
controller or anything else enforcing policies. In the local security
policy, under Local Policies / Security Options, I have the following:
Interactive Logon: Do not display last user name = Disabled
Interactive Logon: Do not require CTRL + ALT + DEL = Disabled

So I have to press Ctrl+Alt+Del to login. However, the icon for "Admin"
(an administrator user, not the built-in Administrator account) is
always selected by default, even though I (almost) always log in as
"Mark" (a standard user). From the above settings, I would expect the
last user to log in (Mark) to be selected by default. Is there any way
to get this to happen?

I tried setting the "Do not display last user name" to Enabled, and that
turns the login to one where you have to type both the username and
password, and nothing is filled in for the username.

What I would really like is to have the text-based login (type username
and password), but with the username filled in with the last used, so it
is only necessary to type the password - that's how I used to have Win2k
set up. If that's not possible, get the icon-based login to select the
last user by default, so I can just press enter (to select the user) and
type the password. At the moment, I have to select a different icon
before entering the password, since the one selected is not usually the
one I want to log in with, or type the username in full if using the
text-based login.

Thanks,
Mark.