HICON LoadIcon(
   LPCTSTR lpszResourceName 
) const;
HICON LoadIcon(
   UINT nIDResource 
) const;

	HICON hi = LoadIcon (AfxGetApp ()->m_hInstance , "IDI_ICON1");
	DWORD e_code = GetLastError ();

	LPVOID lpMsgBuf;
	if (!FormatMessage( 
		FORMAT_MESSAGE_ALLOCATE_BUFFER | 
		FORMAT_MESSAGE_FROM_SYSTEM | 
		FORMAT_MESSAGE_IGNORE_INSERTS,
		NULL,
		e_code,
		MAKELANGID(LANG_NEUTRAL, SUBLANG_DEFAULT), // Default language
		(LPTSTR) &lpMsgBuf,
		 0 ,
		NULL ))
	{
		AfxMessageBox ("Cannot Format Message" , MB_OK ,  0 );
		throw global_amba ();
	}

	AfxMessageBox( (LPCTSTR)lpMsgBuf, MB_OK | MB_ICONINFORMATION ,  0 );
	LocalFree( lpMsgBuf );

	Create (NULL , "Clipboard Test", WS_OVERLAPPEDWINDOW, rectDefault , NULL, "IDR_MENU1");

HICON hi = LoadIcon (AfxGetInstanceHandle() , (LPCTSTR)IDI_ICON1);
	LPCTSTR whatIsThis = (LPCTSTR)IDI_ICON1;
	//здесь значение whatIsThis = "" (0x00000066)
	//из файлов ресурса я выдрал строку 
	//#define IDI_ICON1                        102 
	//разумеется что  102  ( 10  s/s) ===  66  ( 16  s/s)


	HICON hi2 = LoadIcon (AfxGetApp ()->m_hInstance , "IDI_ICON1");
       // здесь как сыпался так и теперь сыплюсь

	HICON hi3 = (HICON)LoadImage(AfxGetInstanceHandle(),(LPCTSTR)IDI_ICON1,IMAGE_ICON, 16 , 16 ,LR_DEFAULTCOLOR);
// тоже все работает
	HCURSOR h_cur = LoadCursor (AfxGetInstanceHandle() ,  (LPCTSTR) IDC_CURSOR1);
	CBrush cbrush;
	cbrush.CreateHatchBrush (HS_CROSS , RGB ( 255  ,  0  ,  255 ));

	const char * cName = AfxRegisterWndClass ( 0  , h_cur , cbrush , hi3);

	
	Create (cName , "Clipboard Test", WS_OVERLAPPEDWINDOW, rectDefault , NULL, (LPCTSTR)IDR_MENU1);

HICON alsoGood = AfxGetApp ()->LoadIcon (IDI_ICON1);

LoadIcon (AfxGetApp ()->m_hInstance , "IDI_ICON1");

// Icon with lowest ID value placed first to ensure application icon
// remains consistent on all systems.
IDI_ICON1               ICON    DISCARDABLE     "icon1.ico"