All.

Thanks for your help. I have solved the mystery.

The solution to the mystery is that the textures are actually NOT THERE (we were all looking past the obvious). Here is the reason why. I recently re-formatted my computer, and - very stupidly - didn't firstly back up the textures folder.I backed up everything else, i.e. the Geometries, Heads and Libraries folders particularly.

Lucky that I also backed up all my installation zips and exes...I'll have to re-create the textures from those.

*** SIGH ***

regards,
Andrew