Wendy, just above the two things you checked should be something that says "Use Java..." with a version number. Make sure that is checked. If it is, you may need to re-load java. Here's the link for the download:

<A target="_blank" HREF=http://java.sun.com/webapps/download/AutoDL?BundleId=9504>http://java.sun.com/webapps/download/AutoDL?BundleId=9504</A>

This fixed the problem for most people.

Mary Alice, I know that it did not fix the chat problem for you...I'm sorry, but I have no idea how to help with your situation.

mj