Thanks John, I'm finally getting some live harmonies. I used the settings exactly as you said and it does work but with the following reservations:
1. I have to uncheck the DXI box or it will not send midi on any channel, so I loose any songs that require a midi instrument in the mix, although on those tunes I can record a wave of th using the DXI synth setting, then open it in biab, tweak it and save it. Then it will play as a .wav and I can hear the midi parts when DXI is unchecked (a minor hassle).
2. The chord output doesn't seem to be all that accurate many of the times (strange harmonies - even with "just triads and 7th's selected).
3. It seems I have to re-enter the soloist track instrument setting each time I open a song (doesn't keep the default mysetup.DK when changing songs. Hopefully I'll figure that one out.
4. Each time I change songs, it changes the selection on the vocalist. If I fix that on the vocalist (set to not receive patch changes) or set biab to not send patch changes, I loose the harmonies. Another puzzle to figure out.

I just wish the biab techies would get involved and come up with a good fix for this. There are many of us that play live and want this option and still want to use the latest biab technology (i.e. realtracks audiophile) with the latest computer stuff (windows 7)...

Thanks to everyone who came to my aid on this.
Mike