Using 'Insert, Link' : file://D:/foldername/... while the page I am working on is filed on the F drive.
Generally, I would simply change the file://D

Just now I had forgotten to change to http: instead of file and tried to close WITHOUT saving the page to stop this flashing. What happened was the page SAVED itself as a duplicate of another page I have open!
The weirdest things always happen to me (huh Scott!) I will now ad that I have no virus on my pc (having done a clean sweep with techies.
Version 12.7 Build 454