Thanks to you Ronlau9. Everything went off fine and I am back on 9.04 & in business. All my data is safe and sound.
The Q now is - how did I land in this situation? In user settings while trying to check if pulse, pulse-access and pulse rt were in the group, I had random generated a password to 'unlock'. I then shutdown. Is this the reason for the ID & Psswd not correct Error coming up on login??