how to set up cygwin to use home under cygwin dir

[umen]

Hello
I install cygwin under d:/ dir (d:/cygwin) but the installation created the
my home dir in the physical dir in : C:\Documents and Settings 
how can I change it to point in to d:/cygwin/usr/home ? and also I notice I
don’t have the .bashrc and all the config files 
where can I find them in the cygwin dirs? 

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