Thanks for the link. I would not have thought to look for something that is completely server related in the Desktop help and for whatever reason if I searched for schema, the search just failed like it was a reserved word or something.
I am still not clear on schemas though. The help in the link seems to indicate that each user must have a schema with the exact same name as the user, but in practice this does not seem to be true. In the 9.3.1 database, most of our data was created with a sql account mapped to the dbo schema. In the AGS 10 sde geodatabase I was forced to use my windows account to create the geodatabase because for some reason the post install would not accept a sql account so it mapped my account to the dbo schema and won't let me change it. Also, if you create a schema with the same name as each user, who should own that schema, that user or dbo?
Thanks again!