First, I want to thank everyone for trying to help me through your information and posts. I sincerely, deeply, appreciate all you are trying to do for me... and, of course, I feel so stupid... honest.

So I will tell you what I did last... of course, I re-read all the posts, then as markschum stated, I installed and made sure it was along this path... RuntimeLibrariesCharacterDAZ People 

There was no problem with the installation, and initialization tool place.

Then I opened P8 and the Library showed no indication of that download. There is no indication of anything new in the Library at all, no download or new character. I used "Explore" to search C drive for the material in P8, and the V4 material is there.
But it will not appear in the library, and so I cannot yet load it to use.

I know I have to be doing something wrong... I just can't figure what it is, even with all your help... some day I will laugh at this :)

Randy