AlGrenadine my apologies for wasting your time (but read on) - I finally got it, working as you explained, Dave "triggered" me to figure it out
Dave - that was it, sort of, but in reverse.
I run almost everything as Admin and wide open (UAC is off ) I have other means of protection on that PC
I looked at the folder it was in (maybe it had no write permissions, etc.) ... finally I simply DISABLED "Run as Admin" - that did it.
For grins I tired FracTool in a few different folders higher and lower (in my User folder, in Programs folder, on boot drive root, on different drive,..) Fractool runs exactly as AlGrenadine explained above no matter where its placed as long as I DO NOT run as Administrator (that's a first for me - LOL) as soon as I change it to run as Admin it won't let me drag and drop,
In any case, it works - and it is a great tool I should have run this to ground back in Aug of 2018 when I got my FX 3