Disk Utility > New image > specify the size of the image, and Encryption. Whenever you need it, just open it (it asks for password) and then its a normal folder (only restricted in size)
I know i just brought this thread back from the dead but i tried doing this and i enter the right password and the password window closes and leaves the file locked. I am on a limited access account but for the most part my computer hass been left full acces.
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