I cannot see any visual settings.

All I ever get is a liitle gray box with the blue Visual Settings on it but it has never opened up to anything else and I've clicked on everything!

Hi Cherie,

The Visual Settings panel is collapsed, just click the button in the left corner to expand the panel:

Oh my ... I am SO sorry I bothered you with this! I could have sworn I tried that already! I always TRY everything first!!! Thank you for your time and help, at least I probably made some people's eyes roll!! 

No worries, Cherie! :)