I see no way to update my original post, so I am replying to it.
After posting, I rebooted my PC and when it came back up, the desktop was restored.
The following information may be useful to developers: I actually installed version 3.1.3.3 yesterday. At the end of the install, when Fences asked me if I wanted to reboot, I said no. Since I always shutdown at the end of the day, I figured the update would be completed the next morning, when I started up my PC.
But today, when I started up my PC, I had the problem described in the original post. Rebooting restored the desktop.
So maybe the Fences update assumes that you reboot immediately after the update, and since I did not do that, the update was not completed -- until I rebooted today.
Of course I have no solid proof that this is a Fences problem. But since updating Fences was the only System change that I made yesterday, it is highly suspect!