On one of the login IDs on her computer, there was no toolbar, and no way to access it. Not with the Winkey button, ctrl-esc, changing the screen size, F11 or any of the usual suspects.
Solving computer problems is a half and half again process. Is it Hardware or Software? Software, because its on one ID and not the others. Is it a Feature or Malicious? A feature because she has virus software which is current, operating, and McAfee.
System restore is one option, but a little more drastic than most people realize. So it came down to Googling different permutations of Toolbar disappeared Windows XP
Which, fortunately turned up this awesome, simple solution:
I downloaded it, viewed it to make sure that it wasn't something nasty, then ran it.
As if by magic, the toolbar appeared. This problem was about 30 minutes to solve. The one I will tell you tomorrow was a lot lot scarier...