Hi, I have the same problem, can play offline no problem, but once I try to go on-line I get the black rectangle top left corner, 'Setupchat' button on the bottom Microsoft 'Start' line. I had been on-line for some time, went to connect the next day and was advised I needed to accept an upgrade which I did. Since then I have had this problem. Totally fed up with it, have been stopped playing for 6 or more months - thought I would try again, but still no joy. As any bright person come up with the answer yet?