Installation on Windows 10

[Snarky Email]

   I installed gnucash on my Windows 10 system and the new file setup
   fails.  I am using defaults for a new account to practice/test with.
   When I try to save as xml I get this error:  GnuCash could not write to
   C:\Users\Joe\Documents\gnucashtest.gnucash.  That database may be on a
   read-only file system, or you may not have write permission for the
   directory."
   I do have full access on the folder.
   Any help would be appreciated.