I've run a number of anti- programs in regular mode, safe mode and safe mode with networking but the results are always clean:
I enable system hidden files and folders and protected operating system files folders and take the day running SpyBot, Microsoft Malicous Software Removal Tool, Panda, Windows Defender, Trend Micro, Ad-Aware, Bit Defender, CWShredder, Kill2Me, Spy Sweeper, Ewido and F-Secure Blacklight Rootkit Eliminator. I keep them all up-to-date with the newest revisions. I also have AVG installed and it runs a scan every morning. I also keep my machine pretty clean by using CCleaner, PC onPoint, RegSeeker and Dial-a-fix.
I think I'm looking for a bandaid when I need to at least re-install Windows, if not a reformat but every little settings change makes a difference. Thanks for your suggestion.