More data on this issue:
1) When the share is a folder on Drive D:, when I mount with "User" privilege, I can browse the folder but not read any files (even though they are marked as Read-only). But when I mount with "Administrator" privilege I have full access.
2) When the share is a folder on Drive C:, mounting with "User" privilege gives me full read access (what i want).
As best I can tell, the protections on the drive D: mount are the same as the Drive C: mount. Did I read somewhere in this forum that you shares HAD to be on drive C: ?? Any clues to what is going on here?