Can’t login after Factory Reset in Windows 11

If you can't login after Factory Reset in Windows 11, and after factory reset you are still prompted for sign in but sign in ...
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Call me paranoid, but I run a Memtest every month and I have a good reason why

After years of dealing with these issues, I've started running a memory test every month as regular maintenance. Tweaking RAM settings to squeeze more speed from the CPU is all well and good until ...