Well I'm please to report that Mike & I have solved our latency problem, thanks to guidance from Andrew
Can you go to Audio | Drivers/Settings, and try adjusting the 'Offset' value. Does that make a difference?
As Andrew suggested, I changed the Audio Settings offset to 100mS (which also changes the Audio Latency to 100mS) and this allowed the Real tracks & MIDI to align.
Thanks Andrew, and thanks to everyone that chimed in with suggestions.
I have a couple more issues, but I'll start a new subject for them.