When the message comes up about correcting references I want to scream. My references ARE correct. I'm also on XP. But what I've noticed is that when you save things from poser, poser itself does not put the whole reference in the file. And sometimes if you reload a saved pz3 especially, things go wonky. And XP itself creates locks. Especially if you toodle around in Explorer in thumbnail view. If ever you've gotten the message, closed Poser, and tried to switch banks again and STILL get the message, it's XP. And the only way I've found to reliably get rid of the locks is to reboot. When everything works it works great! But there's never a guarantee if you're on XP so I hold my breath now when I use Poser and come to a situation where I need to switch banks.