[struggling]

Thanks for the link, Wolfey. Been there, done that. Info is in regard to downloading transactions, which I don't do. Prefer manual. It also links to technical support, which does not address my issue. But thanks for trying to help.

I have always found both Quick Books and Quicken to be user-unfriendly, pain-in-the-rear programs. I'm currently checking out other financial software on about.com. If I ultimately discard Quicken and start fresh with something more satisfactory I'll be sure to let everyone here know how that experience goes.

Meantime, while I'm scoping out these others, I'm still open to anyone who might come along with a brilliant flash of insight to solve the year end reconciliation problem.