I ran Malwarebytes which is resident on my xppro system. No the answer is I had installed MS Works 2002 on my laptop 2 days ago. Last nite I uninstalled it & the problem went away. I reinstalled Works & it came back. I had uninstalled ms office 2007 a few days before. Maybe there is a connection? Anyway, thanks for helping. I appreciate it.
I don't have Excel on my laptop since I uninstalled all of Office 2007. Works has a spreadsheet, but it isn't called Excel, just Works Excel, so I don't think this applies. I think I am up to date with MS updates. At least, with what they notify me of every week or so. I tried all the other suggestions in this & other similar forums. If I don't like the annoying Programs folder flying up on startup, I could uninstall Works, but . . .Thanks.