Just when I thought everything was all good! =)
Could be simple.  I have a secured database under workgroup Secured.mdw and
then my default which is the System.mdw.  Here's what I did.  I thought I
better make a copy of my secured database... but unsecured, in the default
workgroup.  In case I wanted to use parts of it for other databases.  In
order to do that, I made a copy of my back up and then went from there.  
Opened the copy and undid the security to it, but I had to go under the
Tools, Security, Workgroup Administrator and manually change over to my
Secured.mdw workgroup.  Once I was done, I went back through and manually
switched back to my System.mdw.  I now have an unsecured copy of my database
which is good but then I went to go use my secured database and it wouldn't
open because Users (Admin) have no permissions.  It didn't prompt for a user
name and password because it didn't even switch over to the secured
workgroup.  All my shortcuts are fine.  Everything is labeled correctly with
the /wkgroup switch in it.  I didn't change anything anywhere.  I even
restarted the computer thinking maybe Access was confused and it didn't help.
Is there a reason that manually changing the workgroup would cause the
/wkgroup not to work???  I would think that even if you had 10 workgroups,
whenever you used a shortcut with the switch, it would do just that...
switch... =)
Thanks for any advice!