No Full File Backup created

I have URBackup on a 18.02 ubuntu server and the clients are Win 10 pro(64bit). Only full image backups are created. Full file backup are showing completed but show 0 bytes and a bkup time of only one minute. And another client created the full image but no full file at all. Got the following on the server end for that client:

Thanks, Mike

The error message seems to mean you are not specifing any files for backup.

Check Settings / File Backups / Default directories to backup: to see if you are requesting anything to backup.

My entry for windows workstations is currently:

A simple C:\Users may be all you want.

My Excluded files (with wildcards): is currently:

I would welcome any suggestions on improvements to my settings.