mutt finding mailboxes problem

[Cliff Sarginson]

Hello,
A problem. My users mailboxes are in ~/Mail, as per default.
However if i do a "c" to change mailbox folder mutt does not
find it unless I am either in ~/Mail or I type in ~/Mail/folder.
However if I use "?" to see the list of mail folders, it shows
them in ~/Mail without a problem.
I think my enviornment etc is ok.
Is there some setting I am missing ?
Thanks
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Regards
Cliff