Thanks, Marye. Took your advice and downloaded the personal one to try safety.net. Can always go back to Kerio, if needed, as I have a paid for copy of it. BTW, if anyone is trying to find safety.net, it can be found at
http://www.netveda.com/
The reason I turn off MS firewall is because Gates is 'in bed' with Gator/Claria et al...and that makes it a huge bad joke IMHO. I've been told it's only a one-way firewall at that so...only partial protection, if anything.
Sandi