Thanks to everyone who has helped so far. I have done the scans in safe mode that Phish recommended and I have clicked off the processes ZT suggested in his first post, and in the first few moments after logging on it really seemed to help. I have completly cleare my temp folder while trying to solve this problem about a week ago. I have my internet options set to clear history at the end of each day and I dump cookies and files regularly.

I may be willing to reformat at this point, but first ...... what does that mean? What will I lose when I do, and how is it done?

Thank You All Very Much