Thank you.  I have another question.  I understand that money sitting in credit will be applied to the next invoice that is already created, but if there is no invoice yet and then I create one while there is money sitting in credit, does that credit automatically get applied?  (if I have "Automatically apply payment" selected)   I usually have monies sitting in the credit before invoices are created.  Most of the time I end up having customer payments sitting in the their account and I have unpaid invoices that were created after the deposit.