well, everytime I have reinstalled W7 it creates an unknown contact for may of the folders on the D: drive and that unknown contact is now the owner. I suspect what it is doing is changing the previous system owner to unknown contact and creating another Administrator entry who is not the owner. So I must clean it all up one by one. There is no access issue, just garbage.
Maybe if I set the owner to my login, which I maintain under the same name each time I reinstall, it would not do that. Not sure.
But that is the info i was looking for , thanks