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Thanks MrToM for your offer, but I think I found the problem.  All along I've been downloading image files from my camera to either iPhoto or Photos, both MAC photo programs.  When I do, they both download the pictures correctly as JPG or NEF, but when I drag to the desktop the NEF pictures change to .jpg.  Then if I open in PS or Bridge they are loaded as .jpg files.  Now when I download the photos directly to Bridge (Adobe Bridge CS5 - Photo Downloader) or PS they come thru with the correct extension and the proper size file.  I can then open in Camera Raw and they work perfect!! 

I'm probably a doofus for doing it like I have been, but I know better now.  I won't give my age, but I'm a great example of; "You're never too old to learn".

Thanks to all you guys for your help and I apologize for taking your time when I probably should have done more experimenting.

John