O.K. Funny, but expensive, story. I spent 2 hours with the accountant today to try to figure this whole thing out. About an hour and forty five minutes in, he looks at his computer and says "Do you have McAfee anti-virus?" "Yep". "It says here that could be a problem."
It wasn't A problem. It was THE problem. I've been using McAfee for a year with no trouble.