XMetaL support staff often refer to folder paths starting with %APPDATA%. It looks geeky, but it makes things easier, because it will take you to the correct folder in all versions of Windows and works for all user names. To use a folder path starting with %APPDATA%, paste the entire folder path into the address bar of a Windows Explorer window, then press Enter.
For example, say you paste
%APPDATA%\SoftQuad\XMetaL into an address bar as shown below:

After you press Enter, the following folder will appear, assuming you are using the English versions of the operating systems in their default configurations:
- In Windows XP: C:\Documents and Settings\<username>\Application Data\SoftQuad\XMetaL
- In Windows 7: C:\Users\<username>\AppData\Roaming\SoftQuad\XMetaL
Note that depending on your organization's IT policies, you might not be able to see the contents of the %APPDATA% folder.
For additional background information, see
http://en.wikipedia.org/wiki/Special_Folders