Insufficient permissions on all new forms ater UR12 update

I updated CRM 2011 Online to the new cross browser functionality.

Now all users get 'Insuffucient Permissions' when they try to access one of the new forms (Accounts, Contacts, etc).

I can set their role to System Administrator and the issues are rsovled, but I obviously do not want everyone to have Systems Administration.

1) Is there a way to display, or a way to look at audit records to see what permissions are missing when the Accout was puled up?

2) Any clue on what permissions may be missing?

3) is there a report that dislays attempts to access resources that users do not have permissions for?

--Scott