Not being a programmer, I played the ACL, Access Control List, by clicking the "advanced" button in the file "Properties/Security". Surely enough, after running "takeownership" -- do google on takeownership.zip -- my name is displayed as the owner of the file/folder that I have "full control". A correction to my previous posting of "After Reboot, it goes back to Read-Only". That statement is untrue because I purposely rebooted a few times and file permission was not reset. So, I don't know what action of mine has caused the reset. However, one thing I am certain, when I have the ownership of the file/folder as shown in the ACL, the file stays writable to me. So, maybe the best solution is to run the takeownership thru all our files to fix this problem once for all. By the way, the Read-Only attribute in file Properties always has a black square. I simply can't get rid of it. So, it carries no information as far as I am concerned.