WinXP Home, underlines

Hello all you tech gurus, here's one that has me stumped: we built a new PC, AMD Athlon 1.2, 256MB RAM and XP (Home). Everything works great, install new apps, it behaves like the 5 that we have done before. This is to replace a Compaq Presario 4910 running Win95 (!) that had many docs & other files that the user wanted brought over. I connected the two by ethernet, and executed the "Files and Settings Transfer Wizard" (as I have done before, but never between Win95 & XP). Everything that we wanted was transferred, BUT now the names of everything: Application names on the desktop, file names in Explorer, appear "underlined". I tried changing the font used, or the "effects" (like turning off the shadow, etc.) but I cannot find where and/or how to change this. Any suggestions, I've not been able to find anything in the MS knowledge base...