I give up...this has bested me. On three separate machines, two manufacturers, I get the same issue [black text when it is supposed to be -- according to "Personalization -- white]. I tried going back to Windows 7 pre-SP1...no help.
BUT...this just started up about 2-3 months ago. I've used Win_7 since the beta days, and this is "new -- but I cannot find out why it is, or fix it. So, I'm beat on this one...