Terry - to answer your ? about how old the disk is: I've been running Win95 on the home computer for a couple of years, but, have never refreshed the system.
Mary - I defragged, per your suggestion. I got a msg saying 2% was fragged and that I could wait, but, I went ahead, anyway. Then, although ScanDisk had run many, many times after crashing while online, I ran it manually and it asked me about a bunch of files which I mostly deleted. I looked in the Temp file to find that there's 34MB X-) of stuff in there! Should I just select all and delete and wait for it to tell me I'm trying to delete sytems files, or whatever?
For some reason, I haven't been crashing, today. I wonder if this has anything to do w/ my ISP; the browser kept crashing, I called, they sent me the new version, it worked once and then everything went jabberwocky the next dozen times I tried to fire up the PC. I called and yelled at them, yesterday. But, everything seems to be working fine, today, even before I did the aforementioned stuff. Weird. One thing's for sure - I'm going to plow through this registry for dummies book I got and get this thing working the way I want it to. Thanks for all the help.
Dan