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ok, i knew that the "read only" option was an issue and even though during my installation everything checked out, i checked out the properties of the three folders and the one file... and sure enough, they're still listed as "read-only".
so this brings me to a stupid question, and one that i haven't been able to answer searching through the forum: how do i change these? i brought up the properties, deselected "read-only", APPLY and OK, and when i bring them up again to check them, they still have "read-only" selected.
what do i need to do?