Tom,
THAT was IT! :-)
The AppData version of Master.ins was the one I needed to be using. I'm not certain at all what the one at C:\Cakewalk Content\Sonar Platinum\instruments is there for, but there you go!
Thanks, Tom and everyone else who helped!
I could not find a shortcut key or binding to the Panic button, but I can live without that! :-)
I'll post this working solution at the MidiQuest forum as well, and mark this one SOLVED!
Terry