Thanks for your quick response Critter#2.
I have both the 2017 and the 2018 DOWNLOADED programs. I was hoping to use the 2018 version for more accurate what-ifs, but that may not be completely possible before year end.
Also, could you elaborate on your comment "I highly recommend you switch to the superior and cheaper product when you can upgrade your OS on your mac."? That one's going over my head...
