Per glee:
Mea Culpa. I missed the part about the utility.
But get this: after booting in Safe Mode, I re-booted in regular
mode and the problem had stopped. I definitely re-booted
multiple times before that and the problem persisted.....
Ran MalwareBytes anyhow, and it came up with something in my
D:\Temp called GiantSavings.exe and I killed it.... but this was
*after* the PC had rebooted without the problem, so I'm guessing
that GiantSavings.exe was not a player.
Maybe some kind of massive one-time file scan like the one
initiated when .NET 4 is installed?
I'll keep an eye on it and try the utility if the problem
resurfaces.
Thanks for all the useful info. My apologies for missing the
utility.