Thanks everyone for the replies.  After I posted, I thought about it and just gave the directory "full control" for my user.  Since I have admin rights, I would have thought it would have let me do so anyway.  Nevertheless, I "fixed" my issue.

On the winzip issue, I always hover over the zip before I attempt to install as not evry zip follows the "proper" heirarchy conventions.  Sometimes the Runtime folder is lowercase "r" e.g., runtime, not Runtime, resulting in a secondary runtime folder.

Anyway...I'm good.  Thanks again everyone.