Mark,

I finally got it! I'm a bit chagrined.. when I made my monogram the file got to be RGB and the white was not quite white. Changing it to Greyscale and thresholding it in PS did the trick.

I spent around five hours on this, those that earn their living at this have my undying respect!

I really appreciate all your time and patience. It is rare these days to receive such kind assistance but more likely here at this forum.

I am in your debt!