I'm hoping this is easy.   I created a "Reader" user that will only have view access to the site.    However, when this user clicks on any tab except the home page, the View/Edit radio buttons are appearing.  I checked to make sure only Administrators could "Edit Page" for those tabs (under Admin -> Tabs, editted that page, verified Edit Page).    I also made sure that the "Reader" did not belong to the Administrator role. 

Is there something I'm missing?

I noticed that this DNN site have a role called "Graphics".  Somehow this role has access to files on the system to view and modify.  When I removed this role from the "Reader" user then the View/Edit went away.  When I looked in the database in a table called "FolderPermissions" there are several folders that are protected.  Any idea how the Graphics role could be assigned to folders/files?

Great, your last post explained everything.  Thanks Rob.  I checked the ModulePermission table in the database and it gave me a clue as to where I could find the edit permissions for "Graphics".  So then I checked the settings for that module and "Graphics" did have Edit permissions.  The FileManager explanation also helped me understand how this role could edit files in those folders.