Problem solved. I am not sure what it was, I wish I would of tried repair permission in disk utility.
But on the 4 restart I decided to hold the command & R keys. We all know what happens after that.
What ever my time frame is from the last post to this post is how long it took to reload Lion over wifi and of course check some things out. I also reset my browsers and went through the tabs entering my user name and passwords.
All is good, not sure what it was.
Edit: added note I was curious about re-installing Lion with out the USB stick. I have to say it went smooth. The nice thing about re-installing OSX is that all your stuff stays as it was, docs, files, settings. It's not really like starting over.
Of course if you erase the hard drive and then do it, that is starting over.