Thank you "Jmmijo" for your help. I'm now typing this out listening to my MP3s. I tried all of your suggestions but nothing worked until I removed all 5 cards. Audio then worked fine, so I started reinstalling one at a time.
Sound card 'no problem', Modem card 'no problem', USB Card 'no problem', Dazzle Video card 'no problem'. BUT!!! as soon as I inserted my "LAN" card, there it was. I went into the big city of Pahrump today and bought a new network card at wally-world, got back, installed, turned on, started listening. THANKS!!!