Bristol - ok, roger that...
I guess I'd better give an update since yesterday. It APPEARS that, when saving a User Bank, I have to use a SHORT file name, like "UB1.gmn", rather than "User_Bank_1.gmn"
That is the ONLY think I've done differently this morning, and it seems to be working. Right now, I'm going through a number of "test attempts" to see if I can load my "UB1.gmn" in other project files, etc, etc. But, what I've seen so far, is that - oddly enough - it SEEMS to be working...
Maybe it goes way back to the old days, when DOS file names were restricted to 8 characters, plus the file extension... I dunno....