Satellite C55-B5270, Windows 8.1 stuck at "Finalizing your settings"

I just bought a C55-B5270 notebook, the label says Windows 8.1 and after I answer all its questions, it gets stuck on "Finalizing your settings".
This was actual a customer return at Staples and before we left the tech did a factory restore (we watched). AFAIK he did it from the HD and I can't find how to do that either (it didn't come with Recovery Media but if I do the hold-zero-power-on trick it demans media to restore).
I really want to keep this unit, so is this (stuck on "Finalizing your settings") a known problem, and if so what's the fix?
Also, assuming I end up taking it back because it won't boot, how do I clear my nonsense and restore it to its original state? AFAIK I have until Saturday to return it, and if I can't get it to boot into Windows I'll have to take it back.
Thanks!

Thanks Jerry, that's a good reference. I didn't realize there was a reset button.
In the mean time, I managed to get up and running by doing a Refresh (? - cleans up Windows without destroying files) using Recovery media downloaded from Microsoft. Of course I lost any Toshiba customizations and in fact had no WiFi afterwards. But I first downloaded Toshiba Service Station (which only told me the BIOS needed an update) and then WiFi drivers from Toshiba.com and now I have WiFi. I suspect I'm still missing stuff as (e.g.) the DVD software patch refuses to install because the DVD software isn't installed. But I can launch into Windows, surf using WiFi, and have decided I won't return the machine (tomorrow's the deadline and if I couldn't get into Windows, it was going back).
I have a couple of questions about where I've got it now:
1. If Service Station says there are no updates for my machine, can I trust it and not check the version of every driver? I'm dubious because it didn't flag there were no WiFi drivers. My other notebooks are ThinkPads and there's a utility that checks my specific machine for updates to every driver. It's very convenient and I'd hate to go through that long list of Toshiba drivers checking versions if there's a utility to do it for me.
2. I see Toshiba charges $40 for recovery media. Is there anywhere I can download it (legally)? Or someone at Toshiba who would send me a set? The recovery partition must have been damaged because both Refresh and Reset (? - sorry I don't know Win 8.1 terminology) demanded physical media when they should have been using the recovery partition.
Any other tips on my venture into Toshiba (and into Win 8.1) appreciated.
Thanks!
=aw

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    programs5.png ‏1040 KB
    programs3.png ‏193 KB

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