Do I have to set the security privliges on someone's "Account" and "Roster" or just one of them for them to get access.

You'll want to set them on the Account to give them access to things. After doing this, if they are currently on the site, they'll need to log off, then log back on and they'll have the new privledges.

----
The day Microsoft makes a product that doesn't suck is the day they make a vacuum cleaner.

Okay. So the Roster doesnt do anything then???

Yeah, it's mostly just eye candy in regards to rank.

----
The day Microsoft makes a product that doesn't suck is the day they make a vacuum cleaner.