Well, I have made an interesting discovery, pending further testing. Yesterday, my problem was not happening and I didn't know why. Today, it was happening frequently. First thing I did was to double-check to see that I had eliminated the Yahoo toolbar extension from Firefox, and would you believe that after I checked that (Tools/Extensions) the problem disappeared again.
Yesterday I did the same thing, I went to Tools/Extensions after someone suggested a FF extension might be the problem. And yesterday I didn't see the problem at all.
I'm not sure Avast is causing it, but there is some relationship between this problem and my On-Access Scanner. A while ago, it seemed like the problem happened very frequently shortly after I turned on the On-Access Scanner, but it continued to happen for a bit after I turned off the scanner.
When the problem was not happening, I closed FF and Netscape and opened them again, and the problem did not begin. I suspect if I boot now I'll see the problem and that I'll be able to make it go away with Tools/Extensions (just inquiry, no action).
Jim