OK.... wooohoo! I fixed it.
At first, I was able to get on with the one laptop without having to put in the CD in the desktop CD, so I never did.
Anyway, I popped it in in the desktop and went through the steps and changed the pw, etc. Then tried the phone, and voila! I am on line. I had to re-enter the new info on my laptop. Now when my roommate gets home, she can try her laptop. But that was the issue, I never set up the wizard on the CD.
Thx everyone for your input.