Thank you Quickblade. I didn't think to try that.
Instead .. when a very good advisor appeared in front of me at the Luna Bank, I asked him about the problem I was having. Since I hadn't looked into EA files and Users for a long time, and since my son had put those files in different locations on new computers, I couldn't find them.
Later I finally found the UO files EA files with user files and my characters on Sonoma. I had been told to delete those files then log-in to the game with the characters and the SKILLS would appear. Then I did all that, and it worked. The blank SKILLS pages were now showing all the skills again. Can't understand it but did it anyhow and it worked.