JDK and JRE 1.1.2 interpret the HOME, HOMEDRIVE, and HOMEPATH differently
under Win95 and WinNT.

The JRE appears to ignore the HOME environment variable completely, if HOMEDRIVE
and HOMEPATH are not set then the JRE installed BIN directory is used as
user.home.

The JDK appears to use HOME to over-write HOMEDRIVE & HOMEPATH. If HOME is not
available then HOMEDRIVE & HOMEPATH are used as user.home. If neither HOME,
HOMEDRIVE, HOMEPATH then the JDK BIN directory is used.

JRE and JDK must be made to treat HOME consistently and the rules for interpretation should be included with the runtime documentation.

Here are the reults of test run under Windows 95 and Windows NT 3.51 using Sun's
PC JDK 1.1.2 and JRE 1.1.2. Note that for the purposes of the test, HOME was not equal to HOMEDRIVE + HOMEPATH

95/NT3.51 Only the HOME environment variable set
=============================================
JRE: user.home = <JRE installed directory>\BIN

JDK: user.home = HOME


95/NT3.51 HOME, HOMEPATH, HOMEDRIVE environment variables set
===========================================================
JRE: user.home = HOMEDRIVE + HOMEPATH

JDK: user.home = HOME


95/NT3.51 ONLY HOMEPATH & HOMEDRIVE set
=========================================
JRE: user.home = HOMEDRIVE + HOMEPATH

JDK: user.home = HOMEDRIVE + HOMEPATH