Just want to conclude this thread in case anyone else needs speech bubbles.
As stated above I did get Serif downloaded eventually but I never did get the system to work
. And, there is NO Help Section to turn to.
However, a few days back I found, in my daily paper, an article about free downloads and it suggested Picnik.com
This has turned out to be just what I wanted and is a reasonable photo editing package too, for a freebie. It is possible, for a price, to upgrade to an even more sophisticated package.
Well, at least I'm happy now.