What this is I have no clue. I tried every which way to get into this thing and outside of replacing the hard drive and installing Windows, it's useless. This 'financial products/insurance company" has no idea what this is, either. So, I have a choice: return it for a full refund or spend MORE money to get a clean hard drive. Amazon is helping by contacting the seller to somehow bypass this idiocy and no, the 'enter Microsoft email' etc. is not an option/not clickable. So, of course, I didn't have a 'key' either, to this Amtrust North America, nor an email and they have no idea how I wound up with one of their laptops. On the up side, it's like new and the company thinks it might have been part of inventory that just fell into wrong hands.