HI, MadelynC.  Your answer was the same as the above answer and is not correct for the situation I described in my post.  

I am NOT having troubles with my rules.  I understand rules and they work great.  

I am having troubles with QBO assigning categories to my downloaded transactions.  QBO is so bad at it I wish they would stop.  I wish I could turn this feature OFF.  Can I?  Why is QBO attempting to categorize my transactions anyway?