thanks matrix for your reply.

I decided that perhaps the best way for me to sort out some of this is to get the experience of creating a new account and a new folder collection from the ground up, since I have to do that anyway for my new account.

So the first thing I did was click on file and look for the new collection option and I don't see it. I looked at help several times and it appears that I'm supposed to see the new collection option in the file menu but the very first step I take doesn't seem to be supported by what I'm seeing with my own eyes.

Yikes!