That's what I thought.
Okay, I now have the Greenbow client (winxp computer) IPSEC'd to the router.  The next step is where I am hung up, how to create an L2TP/IPSEC tunnel.
In the router's IPSEC setup, I am using "remote user", "not Lan to Lan."  Is that a problem as this prevents  me from setting an L2TP/IPSEC VPN setting on the router.  I want to be able to VPN from my laptop.