John- thanks for all the info and no insult taken. I have already admitted to being a computer moron.
Barbara- yes, I have run into the same problem. Dell will tell me my problem is Verizon's fault and Verizon will tell me to talk to Dell. I have done numberous system restores. I did 2 last week because the tollbar kept disappearing- my daughter told me that most likely I clicked on something wrong and I should LOCK the toolbar (didn't know I could do that- DUH!)