I have tried everything I can think of, on all three of my systems (2 XP Pro, I Win98), to duplicate your taskbar (yes, that is the official Microsoft name) problem; I cannot.
Windows normally adjusts the program window size automatically so that none of it is hidden under the taskbar, at least for all well-behaved, Windows-compliant programs. You should not need to restore it and set it to a smaller size as previously suggested.
I could get the taskbar to hide the program window title bar, but only temporarily, under the following conditions:
1. Have a program window open and maximized.
2. Have the taskbar on the bottom of the screen.
3. Have the taskbar properties set for both auto-hide and keep taskbar on top.
4. Move the taskbar to the top of the screen and immediately lock it never moving the cursor off of the taskbar.
Under these conditions the Taskbar will not auto-hide when the cursor is moved away; thus, it will block the program title bar. However, if I click anywhere, the taskbar will hide, and will behave properly after that, appearing only when I move the cursor to its edge of the screen. If I do not lock the taskbar, it behaves normally from the start.
If the auto-hide property is set to off, the program resizes immediately after the move, so that the title bar is always visible.
I wonder why you lock the taskbar? I keep mine hidden on the left, and unlocked. I have never accidentally moved it, so I never lock it. If you worry that someone else will move it, locking is little protection; they only have to unlock it and go ahead with the move.
I suppose some programs could specify their window such that it would override the Windows automatic resizing, and part of the window would then appear under the taskbar. However, I have not encountered any such program.
Please let me know what taskbar settings you are using, and the program(s) involved when you encounter this problem. I would like to research it further.
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