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If I could screen shot what I have, you could see that they DO, in fact, show different screens to different people.  Their “Charge to a card” option needs to clarify that the extra $39.99 will Not be charged.  Your screen shot was most helpful, Volvogirl!  Thank you! Your explanation about choosing "Charge to a card” I think, is the answer I’ve been looking for!  🙂