That and if you've installed the game to Program Files (naughty naughty!) unless you run it as Admin it can't write to that directory to save changes. Usually, it will create new files in your users' temp folder (in C:\users\username\appdata) and run off of those.
Best practice is to install to a non protected directory (C:\games\eq for example) and you'll see less permission-related issues.
-Mcoy
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