:manvery-happy: That was it !! I had my terms confused and therefore was screwing my thinking up. I am jumping for joy at finially understanding what was going on. It was me and not the Wizard that was messing up. I re-figured using your formula and came up with the exact values the wizard did. I don't kniow how to express my gratitude for steering in the right direction. The only way I know is to say a big THANK YOU VERY MUCH!!!
Have a very very very Nice Day.
