R12.1.3 OAF: Menu disappears after login for Oracle EBS

The article on My Oracle Support "Main Menu Getting Disappeared In Oracle EBS After Login" via document ID 2078117.1 apparently has come up so many times that it is "Customer Recommended"!  If you are planning on going to R12.1.3 because you are not on it yet, make sure you check this out and verify what patches are applied so you can avoid this problem!