Thank you David for your comprehensive reply. I must confess I am not familiar with the details but it does give me a little insight.
I will not "mess" around with keychain.
jaybass


OS 13.6.6 iMac (Retina 5K, 27", 2017, 3.4 GHz Intel Core i5, 24 GB RAM, 2400 MHz DDR4. SuperDuper. 1 TB Lacie HD