I found my own answer - whew! That could have been a nightmare.  Anyway,  up in the very top right corner there are two icons - one is the X (close) icon and the other looks like a book.  I clicked on this icon and set the saw 2 options - "Poser Pro" and "Downloads" - somehow I was set on "Downloads" - when set to "Poser Pro" viola - whe solved the problem.

Dov