Why did my user files and settings suddenly disappear?

Tops April 20, 2010
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Numerous files and functions suddenly disappeared from my laptop (Vista home premium). Worst affected folders include My Document and desktop. Also I can no longer log in to my main user account or use fingerprint.

About 99% of my icons are gone both from Start menu and desktop, though the programs folder show that the apps themselves are still there. The desktop theme is gone also. So many things have stopped working.

I have tried system restore to no avail and neither Panda nor AVG could detect any virus. Someone please help.

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