PropNut,
You should use explorer and look at the properties of that settings folder and the files that are in it. Be sure none of them are set to "read only" status. That would cause the problem you are seeing I think.
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Lephturn - Chief Trainer
A member of The Flying Pigs
http://www.flyingpigs.com 
"My P-47 is a pretty good ship, she took a round coming 'cross the Channel last trip.
Just thinking 'bout my baby and lettin' her rip, always got me through so far."
- Steve Earl