Well I thought I found the answer, but guess not -
I currently have RP set up for users and Admin to add products and reviews. However, anyone can add products without logging in or registering.
Here's the link http://wordthunder.com
Review post is set up as the index page and vb3 is in a folder called forum
Sorry if this is one of those often-answered questions, but I've searched the forum and so far haven't found the solution. I've tried about every combination of the Usegroup settings.