The default installation does not install some very useful wizards.
WARNING
When I installed Access 97 on a server and had users able to start the application off of the server, a lock file apparently was created on the server. User #2 could not open the database properly. MS could not provide me a work around, stating that each user should have their own local MS Access copy.
Once I did that, I was Ok.
Whether MS was blowing smoke to get extra licenses, I did not try to investigate futher. The cost of the licenses was much less than the time I was spending fighting the lock out.