Thanks George,
I appreciate the work in process state. Thinking a little more about my shockingly large spending when I use planner for ALL accounts - perhaps the simple solution is to ignore transfers when running for ALL accounts
Question 2 is a "doh" - I did look at the My User Preferences screen and simply didn't see the Use Colours check box. But now that I've found it, I see a minor issue - the Help balloon for that box is the help for the "Show Help Balloons" box. And in fact, the same is true for "Window shading", "Use Classic style Program Selection screen", "Show Program names (Classic style)", and "Click outside of windows to close program" boxes.