Hi Burnout -
Sorry for the delay (dealing with other issues setting up my new Win 10 Pro laptop).
No, absolutely no family accounts or family features on my computer.
I'm connected to my microsoft account as this admin user. But I changed it to a local account and it made no difference.
Many thanks for your help. I think I'll stick with the Opera GX browser which is still working perfectly (and I'm getting to like the simple b&w color scheme).
best wishes - jim