Well I've made a little headway, but still not 100%, so I have a few more questions...
Should I be using
Speakers or
Digital Audio Interface:

When I go into
Speakers Properties I get this.

I thought all sound would be coming from the one Orange Digital I/O out jack on the card, like this picture:

If I plug the cable into the Orange Digital I/O I don't get any sound. If I plug the cable into the Blue jack I get Left, Right and Center with the rear speakers working, but very, very low. You wouldn't even know the rears are working unless you pressed your ear right up to the speaker.
With
Speakers set as the Default I only get Left and Right sound when doing the test as shown below.

If I set the Default to Digital Audio Interface there is no test, and it looks like it wants me to plug into the
Black jack on the back, but if I do that I don't get any sound.

When I go into
Supported Formats and do a test with the cable plugged into the
Blue jack I get a short burst of noise when testing
DTS Audio. When I do the test for
Dolby Digital everything sounds great, all 5 speakers work, nice, clear, and loud.

And of course I do have
Digital Output Only selected.

I've tried playing 5.1 DVDs in both WMP, and PowerDVD, but the rear speakers don't seem to be working.
Any more suggestions or thoughts?
Thanks!!!