File access denied error - searched forums already

[Silent Sorrow]

I recently re-installed SE IV and TDM-Modpack 330. I'm getting the "file access denied" when I hit "next turn."

I searched the forums and found a bit of talk on it. I tried the "read-only" fix but that doesn't work. Or maybe I haven't checked every file. But which ones exactly should I check?

I have the game installed to my D dive, not C. I also have WinME. But this wasn't a problem before so I don't think directory or OS has anything to do with it.

Any help?