Forget the previous post. I'm back in action!!!! It turned out to be a corrupted CivilizationIV.ini file. I discovered this when I decided to turn on some "debug" parameters and discovered that several of the options weren't present in the file. By switching to my wife's account, running the game, and copying her version of the file into my own personal folder it got me up and running.
Thanks again for the help.
Thanks again for the help.