@VolvoGirl - you were right; I marked the other answer as 'best' because I *think* it was posted first, but both of you were right. Thanks to you both!
You were right -- one question for a checkbox had my option off to the left, and I overlooked it, probably from trying to do it too fast. I corrected that, and ...
Thanks, that explains it. And I now realize I didn't run into this before because I had always earned enough that it show up as readily; the difference wasn't a...