To change your screensaver wallpaper (more accurately, to change your screensaver), follow these steps:
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Access Settings: Click the Start button. It's usually located in the bottom-left corner of your screen.
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Open Personalization: Select "Settings" from the Start menu. In the Settings window, click on "Personalization".
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Navigate to Lock Screen: In the Personalization settings, choose "Lock screen" from the left-hand menu.
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Find Screen Saver Settings: Scroll down in the Lock screen settings. You might need to click "Screen saver settings" (sometimes located at the bottom of the page or on the right-hand side). If you don't see it there, look for a "Related settings" section and find "Screen saver settings" within it.
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Choose Your Screensaver: A new "Screen Saver Settings" window will appear. Use the drop-down list under "Screen saver" to select your desired screen saver. Options might include "Blank," "Bubbles," "Mystify," "Photos," or "Ribbons."
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Configure Screensaver (Optional): If you selected a screensaver like "Photos," click the "Settings" button to customize it. For "Photos," you can choose which folder of images to use. Other screensavers may have different configurable options.
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Set Wait Time: Specify how long your computer should be idle before the screensaver appears in the "Wait" box. This is measured in minutes.
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Apply and Preview: Click "Apply" to save your changes. You can click "Preview" to see what the screensaver will look like.
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Confirm: Click "OK" to close the "Screen Saver Settings" window.
Essentially, a screensaver isn't a wallpaper, but a dynamic display that activates after a period of inactivity. You are selecting and configuring which screensaver to use, rather than changing its wallpaper.