I see a couple ideas that I am going to follow up one, but want to see if anyone else has had a similar situation. I can only access the PC when it is not in use, so I can't just sit down and bang away at this for a day.
Install Jet Reports. Use the desktop icon to launch.
No Jet Reports tab.
Go into options, the excel add-in and the com add-in are disabled.
Trying to manually enable either results in a warring (sorry, no screen shot at the moment)
It can't find C:\Users\hcrawford\AppData\Roaming\Microsoft\AddIns\JetReports.xll
BUT this file is in C:\Program Files (x86)\JetReports\JetReports.xll Which is where the PC that works is looking.