Well I give up.  I haven’t found any errors yet, and the previous reconciliation discrepancy report for the period I put in (end of last reconciliation) was zero.  Truthfully, I know just enough about Quickbooks to get myself into real trouble so I’m a little worried about undoing anything, even with a backup.  I’m just flummoxed that this happened and I can’t get to the bottom of it.  Last reconciliation was fine.  I was shocked this wasn’t.