yes!  thank you for the clarification.  it is greatly appreciated :))

i apparently chose 4 various items from my Accounts page, i guess none of which have ever been credited, so i mis-led myself!! how embarrassing.

thanks again!!

oh, and i do like the way credits and certificates can easily be used right there during the check-out process via the drop-down instead of bouncing between pages to gather applicable info... kudos on that bit...    ^bounce^