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OK, what you need to do is edit the maihfile.php, delete the files in the /xoops/html/templates_c folder (they will be files with several % in the name) and update your system module.
For my site I had to create a 'splash' screen that sent people to my www.mysite.com/xoops/html...that way, it didn't matter if they visited with the www or non-www address they would always get the www. XOOPS site and the referer works perfectly now.