Oh, Paul.... I am feeling so stupid. Of course, that was it. I looked at my carts and sure enough. Please forgive me - all the time you spent, good grief.
You said once you learn by helping others. That may be true, but this was a true test of your patience. I had a feeling it had to be something simple - and it was. I have learned a very hard lesson - to check my installation from now on, whenever I have a problem.