Follow up question ...
I am seeing that if I run the game on one account, it will create the folder as instructed, now problems.

However, if I log onto the same computer under a different user name, and run the game, it will not have access to the same folder, and it will get an "invalid pointer" error when trying to start a new game (and thereby write files into that folder).

Is there a way to create the folder to make it public, rather than private to the account that made it?