Hi PsKelly,
The HJT log was done as administrator. Turns out two of the three non-admin userids ran cleanly with Spybot 1.6. The one userid that didn't, I just ran Malwarebytes and then Spybot 1.6. Could have been some kinda of oversight or coincidence -- or I did it before I got an update of 1.6 on that user.
So all seems well on my machine now. And I've updated the systray with PSI and read through some of the other material and will keep the links around for reference.
I'm going to install windows SP3 updates.
Thanks for all.