well that is the easiest explanation for it ... it blue screened and just wouldn't play nicely.
Long story short - my PC guy fixed it - I didn't lose anything and managed to reinstall Windows and PSP, add more RAM and basically this pc is like brand new. Things seem a little different - even my PSP workspace and tags .... do not know what I had it set like before with the display settings but wow - what a difference.
So I will probably spend some time trying to get all my Filters installed .... with any luck they will all work this time ... lol. But I will be back with more Clusters, some masks and templates, along with some Word Art .... soon.