Backgrounds not transparant

I have made several CursorXP & DX objects with transparant backgrounds using PaintShopPro8,however,I must have changed a setting somewhere that stops the saved file being transparant.I make a new object with PSP8,save it,and while its still open in PSP8 showing it has a transparant background,use that file for a DX object and the background is white.
Please,any ideas most appreciated
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File > Preferences > File Format Preferences > PNG tab > "Load and save transparency from / to alpha channel" should be unchecked.