Good Evening, Abiel Corel NA!
Thank-you for your reply.
This has taken on a diabolical life of its own, I swear!
I reset the work area to default settings, closed and restarted the program, and BINGO! The Materials Palette had not defaulted to its default settings! However, immediately after the Get Started screen loaded, the program froze. I closed it from Task Manager, then restarted it again.. did that at least four times. I rebooted my computer and tried one more time to open it, and guess what! It froze again, immediately after the Get Started screen loaded. Repeated this a few more times.
Finally, I opened the Add/Remove folder, chose the program and clicked on REPAIR. It uninstalled and then reinstalled itself, without customizations of course, and now everything seems to have sorted itself out, at least as far as I can tell. I am sure there will be a glitch or two, but for the moment I am one HAPPY LADY!
The only remaining issue is that I cannot get pictures to into the Organizer trays.. I shall have to mess with until I get it to work.
Many thanks again to you and others who shared their time and expertise to help walk me through this.
Muriel!