okies... here's what worked for me.. I don't login as the Admin but a power user... I was getting all the folder locked errors when I tried to change banks.. even after running correct reference.. this puzzled me and I looked deeper. I found that while I was a power user, I did'nt have full rights to any folder! only Admin has that.. so I gave myself full rights to my poser folder... and the errors stopped. until the next widget install, but a quick correct reference fixed it.. may not work for you but give it a try.... I think it's the prob but I'm not sure.. I'd like to hear if anyone else tries it and it works for them...