Still struggling with SL

I'm not a core user... this is clear.  I'm not an early adopter... tho' earlier than many, I am, perhaps, fashionably late?  (I hope so - i.e. not too geeky - not too out of touch with new developments).

Anyways, this SL thing is not easy to get to grips with.  Simple one now... how do I log out to change avatars?

Why would I want to do such a thing? Isn't that a little schizophrenic? 

Well, yes it is, to a point, but there are things I can't do with my avatar and have to switch to the company's avatar to fiddle with permissions.

OK - so there's a reason for it... now where is the 'log-out' button?  No... I couldn't find one either. I had to close the whole program before re-opening it.  Now that's not very good usability.

And - perhaps I need to go on a course in SL but how does one make an object? I've tried, but it really really ain't easy, believe me!

An update when I've done something...