Thank you so much for taking the time to help me with this... I found a Keychain Access.app in Utilities, and found Keychain First Aid inside it. But here is the message I got when Keychain FIrst Aid said after I followed your instructions:
Repair started
Checking keychain configuration for lfawcett (user ID=501)
Home directory is /Users/lfawcett
Checked login keychain
Checked password for ~/Library/Keychains/login.keychain
Password for ~/Library/Keychains/login.keychain is not the same as login password, so keychain can't be unlocked automatically
Login password could not be synchronized with keychain ~/Library/Keychains/login.keychain (-128)
Unable to read settings for ~/Library/Keychains/login.keychain
User differs on ~/Library/Preferences/com.apple.security.plist, should be 501, owner is 0
Owner corrected on ~/Library/Preferences/com.apple.security.plist
Checked default keychain
Checked keychain search list
Checked contents of ~/Library/Keychains/login.keychain
Checked contents of ~/Library/Keychains/Microsoft_Intermediate_Certificates
Checked contents of ~/Library/Application Support/Adobe/AIR/ELS/com.adobe.amp.4875E02D9FB21EE389F73B8D1702B320485DF8CE.1/ PrivateEncryptedDatak
Checked contents of ~/Library/Application Support/Adobe/AIR/ELS/com.adobe.amp.E7BED6E5DDA59983786DD72EBFA46B1598278E07.1/ PrivateEncryptedDatak
Warning: some problems were not fixed
Repair failed
I bet you know the answer!