When I scrol down the Poses menu, then click on the desired subfolder, that folder does get selected by my LMB clicking on its name- I can't get to most of the Poser subfolders . Could I have too many folders? I have many many folders....

If you can get to the folders in the top but not those longer down the list, it is indeed caused by the "too many folders" syndrome :o) Poser (4 & PPP) has a limit of 255 folders. Beyond that it starts acting strange. If you haven't got PBooost, I suggest you consider buying it. It is great for reorganizing your folder contents. Also it can do something like bank swapping. Have to admit I haven't figured that part of it out yet though :o}