OregonJohn

Thank you for asking.

Strange : I just updated to WordPress 4.5 and my problem seems to have gone away. So you solved my problem simply by getting me to check my admin page!!! Thanks.

I am using the WordPress default theme

Plugins:
Table of Contents Plus v. 1601
WordPress Database Backup v. 2.3.1

I had the same problems. I maintain several sites that use WordPress.

My provider offers CPanel X for site control. And with that is Fantistico, a way to add programs like WordPress automatically to a site.

Some sites had PHP 4.x.x and Fantastico was not installed and the visual editor didn’t work with the upgraded WordPress.

The other sites had PHP 5.x.x and Fantastico was installed and the visual editor worked.

I contacted my provider by email and asked to have all the sites I’m responsible for updated to PHP 5.x.x and to have Fantastico installed. That did the trick.