To enable FTN95 to be used within Visual Studio .NET as a non-administrative user you need to do the install in two stages. Along with the personal edition installer you need the Visual Studio .NET plugin available from:
http://www.silverfrost.com/public_downloads/FTN95_VS_PLUGIN_2003.msi
There is a bug in the main installer that means that if you select install for all users, the Visual Studio .NET plugin still only gets installed for the current user. To solve this, do the following (as an administrator)
Perform an install of FTN95 and when the dialog appears asking which versions of Visual Studio .NET to integrate with appears, delselect anything that is selected. Then let the install complete. FTN95 will be installed but without the Visual Studio .NET plugin.
Install the Visual Studio .NET plugin and when able to select the option, select to install for all users. Let the installation complete. The Visual Studio component of FTN95 will now be installed and everything should be available to all users.