Yippee! Worked. Thanks. Fast response!
Wasn't doing anything different than I had before, and never had the problem until recently (probably no apostrophes). At least there was a fix. I find it hard to believe that no one else had the problem though . . . soandso's birthday, our family's vacation, and so forth . . . seems like it'd be used a lot for pictures' names.
The grandparents will be happy about the fix too.