Hi, Mark.
This is another of the things that Intuit could easily fix, but they haven't. It has been a problem since Windows 2000 introduced new security measures, including different settings for different users. Since I'm only one guy with one computer and no network of any kind, I've never had to learn very much about users and permissions (until Vista). But I did learn just enough to fix this Quicken sounds problem back in Win2K - and the same fix still works, with only minor revision to fit your computer instead of mine. This problem has been discussed here several times and this fix has worked with Win2K, WinXP and the beta builds of Windows Vista.
The fix requires a simple Registry edit to add the sounds to the .DEFAULT user in the HKEY_USERS tree. If you are familiar with editing the Registry, this is a quick and easy fix. If you are not comfortable with editing the Registry, please get some help before tackling it. There's no Undo button, and a small typo or other mistake could have dire consequences.
Attached is my file "QSounds.txt". It's the plain-text version of a .reg (Registry) file. You can load it into Notepad, then use Edit's Find and Replace to Find all instances of my folder E:\\QuickenW and change them to your own folder (C:\\Program Files\\QuickenW). Note that the folder path uses TWO backslashes, rather than one. When you've finished the edit, you can save the file, then change its extension to .reg. Then just click on the filename in Windows Explorer. It may seem that nothing happened, but the next time you start Quicken, you should hear the "qopen.wav" sound.
Before this fix, if you go to Sounds in WinXP's Control Panel and look for Quicken sounds, you won't find any listing for Quicken at all. After the Registry edit, you should find a heading for Quicken with several sound events under it. You can keep the defaults or edit the sounds to suit yourself.
RC