Dear KlentB,

Thank you so much for your quick response and detailed solution.  I have disconnected both of the credit card accounts.  Before I continue, I want to be sure I understand the next step.  In your instructions, you say to create new sub-accounts.  I am wondering if I could use the existing accounts I had originally set up and edit them so that they will be sub accounts to the parent.  Will that create a problem?

Thanks again for all of your help as it is most appreciated!