Newbie on permissions: ADO.NET, C++.NET, SQL SERVER 2005 EXPRESS, Visual Studio 2005

This is a very basic question, perhaps more of a Windows XP
Professional OS permissions question than a dB or programming
question: how to create and access SQL SERVER databases from an
account other than "Administrator"; for example, from a "Power User"
account?

As anything other than an "Administrator" user (i.e. as a Power User),
I keep getting (when I try from inside of MS Visual Studio 2005
development environment) the error message: "CREATE DATABASE
permission denied in database 'master'

Using the SQL Server Express Surface Area Configuration tool, I set
the parameters below to "enabled" (they were disabled). This only
helped in one respect: now I can create a database with Visual Studio
2005 (using the Server Explorer tool) when logged in as an
"Administrator". But for security reasons (which I'm not even sure
are valid, but at least in my mind they are) I would like to log in as
a Power User.

My configuration: Windows OS on a standalone Pentium 4 PC connected
to the internet--I'm using Visual Studio 2005 and programming in
C#.NET and C++.NET using ADO.NET. I don't need to access any other PC
in any network--I'm just learning the language at this point.

Any ideas? I did remove some prior versions of SQL Server '7' which
helped remove some other unrelated error messages, and, like I say,
from inside the Administrator account I can program and create
databases using the Server Explorer of Visual Studio 2005, but I'd
like to do so from a non-Admin account.

Also whether I can disable some of the parameters below--i.e., do I
really need the "xp_cmdshell" enabled?

Thanks!

RL

Configuring and Managing SQL Server Express
· For improved manageability and security, SQL Server 2005 provides
more control over the SQL Server surface area on your system. To
minimize the surface area, the following default configurations have
been applied to your instance of SQL server:

o TCP/IP connections are disabled [changed to enabled]
o Named Pipes is disabled [changed to enabled]
o SQL Browser must be started manually
o OPENROWSET and OPENDATASOURCE have been disabled
o CLR integration is disabled [changed to enabled]
o OLE automation is disabled [changed to enabled]
o xp_cmdshell is disabled [changed to enabled]

[This works fine but only from inside "Administrator"--RL]

.

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