Bruce,
Did you try my alternate suggestion? Run NotePad first, change to "all file" then open the GEDCOM. See above.
Download a new GEDCOM. Run Notepad, Open File, change to "All Files", click open. Search for a person with notes or pictures that does not get transferred. Copy that person's GEDCOM code out as shown above and paste it here I will look at it.
Sorry this is the best I can do to help you figure it out.