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Possibly your antivirus program. Check to see if it's set to monitor your email. If so, set it so it doesn't, reboot and see if your settings change.
Are you not able to receive email with the mail server set to 127.0.0.1? If not, and it is your email program causing it to change, have a look in the help file for your antivirus to see how to set it up properly.
If that's not it, what OS are you using?
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