OK - I tried/found this and it seems to work:

View ->Proof Colors (on)
View ->Proof Setup -> Monitor RGB (on, instead of whatever custom setting it was on).

That lightened up the photoshop almost exactly to what I had saved as a .jpg. So I went in and lowered the brightness on the background to get back to what I wanted... Saved again and Windows/Photoshop are now viewing the same.

Now, if I send this out for a proof, what will I get? What I see on the screen?

Thanks again,

- Jeff