T%hanks for your interest, folks . I think I need the answers to my previous postprior to taking any action.
In response to the two comments recently received, this problem existed before I upgraded to XP Home from Windows 2000. I hate to use System Restore as I don't wnat to loose my XP Home and the problem existed befor I hd this installled. And yes, I have been clicking Apply and then OK consistantly, both as user and Administrator. There is a difference, I believe, in what these two buttons do. I am logging on like always, both as a user and as an Administrator, to no avail. Thnaks again for the thoughts.