Page format and screen display not in sync

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EB

My page format is set to 1" on the top and bottom of the page and 1.25" for
the left and right margins. However, when starting a new document, even with
these settings, the cursor is at the very top of the page without the 1"
offset. Really annoying and I can't find a way to correct the problem. I
have created a base document that I always have to use to get the margins to
display properly using an older document with all the text deleted, then have
to do a "Save As" with the new document I am creating. How do I get Word to
open and appear in the manner that the page format settings indicate? I am
using Word 2003.
 

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