Charlie:

My F7 (and/or File > > Open Special > Open MIDI File) still brings in MIDI only,
with NO chord detection.

However, using F3 works exactly like I hoped it would, and as you described.
(using the same file)
So I'm a happy camper!

I hesitate to "Return To Factory Settings" (either choice) because I seem to
have things go awry that need fixing if I do that.

Thanks for your help!
LLOYD S