The username and password you entered in the File Options is meaningless unless you have the appropriate account set up in Accounts & Privileges - or you used the Change Password... menu option. Try using Admin and no password.
thank you so much - you saved me
I have to use Admin with no password to open any of my FMP 10 files. Thank you etripoli for that trick.
BUT WHY ?? The files opened without that nonsense until today? I there some way to get back to the old settings, viz. just open the files??