is your taskbar set to autohide? probably not as you'd realize that that was the problem... I have mine set to autohide but sometimes, for no reason, it stops hiding when it should and then i get the same effect as what your getting.
Amazing that MS couldn't fix this little bug. They could have at least set it so the windows wouldn't appear behind the taskbar. No matter where I set mine, (left, top, bottom, right) windows will still appear behind it.
Try this. Open up the properties for your taskbar and turn off "Keep the taskbar on top of other windows". Reboot just for fun. When you get back in, turn "Keep the taskbar on top of other windows" back on.
Try dragging the taskbar (once unlocked) to the top of the screen. Then open, then maximize a window. Now drag the taskbar back to the bottom, and the window should shift accordingly.
This sometimes happens at work with MS' Office toolbar
Ep, glad to see you come back and tidy up...did want to ask a one day favor, I want to enhance my resume , was hoping you could make me administrator for a day, if so, take me right off since I won't be here to do anything, and don't know the slightest about the board, but it would be nice putting "served administrator osnn", if can do, THANKS