OK, This is an X-Fi Titanium Professional installed on Windows 7 x64 with the newest drivers available from the Creative site.
I can test the audio from within the Console Launcher or Diagnostics and all 5.1 speakers have good clear audio, when I play from Itunes/Windows Media Player/Internet I only get sound from the Front left and right speakers.
I have adjusted every setting in the Creative control panel and Console Launcher as well as whatever Windows settings I could find.
I am 99.9% sure cables are plugged in the right inputs.
Why can't I get 5.1 sound!?!