Hello, sorry for the delayed response. I found the problem some time ago.
What happens during my mixing phase of a project is that I'm going back and forth between tracks and tweaking the volume fader level. Apparently if I'm not paying attention, I am reducing the fader for the wrong track. In this case the Master fader was reduced. This has happened to me a few times now and I can't quite pin point if it's user error or a s/w glitch. I've been using Sonar for ages and this never use to happen. But I'll pay particular attention to my work flow and my mouse click behavior to see if a mis-click or if other weird behavior is the culprit.
Thanks for the advice.