Thanks, again, Angelyn,

I will try your suggestion of the Audit Log to see if I can discover the continuous credit problem.  

I have a question re: turning off Automatic Credit in Account Settings.   If I have created a Credit Memo for a customer (say for an advanced payment) will having turned off Automatic Credit affect the credit due that  customer from appearing on an invoice I later create?    Let me know if I haven't explained that correctly.

Thanks again.  Your explanations help a lot.  And I love that you do it with images!

Rosemarie