Create color scheme?

I often toggle between high contrast and a regular color scheme. The problem is that while I can save changes to the regular theme (like different font size, I cannot save the changes in the high contrast color scheme. In Windows 98 I could create my own color scheme, give it a name, than go to the Accessibility Options and choose it. In XP I haven't found a way to save in My heme the changes of *both* the regular and the high contrast color schemes.

Is there any way to create a new color scheme and save it? Where are the color schemes saved? Could I edit manually a color scheme file and save it with another name?

I have to say that this is the second problem I encounter in XP that I did not encounter in Windows 98. The other problem is that unchecking the notification warning message option does not stop it from coming up when I toggle from the normal to the high contrast theme, And since XP is not a new operating system now, I doubt that Microsoft will correct these bugs in the future...

-emf
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