Opened a new account; logged out of mine; tried to login to new account; couldn't as keyboard not typing all the letters. Pressed Option Command F5, Mouse Keys field checked and Voice was speaking even though VoiceOver was unchecked. I unchecked "Mouse Keys" and I was allowed to login to new account.
Now the system is asking me to set up the new account which I don't want to do seeing as how I'm going to delete it as soon as I can. I logged out (eventually) from the new account. Clicked to log back in as me and it wouldn't let me until I had pressed good old Option Command F5 again.
I'll try starting it in Safe Mode later.
Just one thing, whilst Apple Support was trying to resolve a different issue last month, one of their team asked me to use the arrow buttons on the bottom right corner on the keyboard? Could that have changed something - I think this current pain in the neck has only been happening since the reinstallation done last month by Apple Support.