Thank for trying anyway. About 5 minutes ago, I found the solution - by searching through every menu, etc. Under Preferences, Edit, Edit Options, Display this number of decimals left unchecked. Then I seems that I can put in as decimal if I want ($78.59), but if I don't then I can get $78 and not the .78 rounding to 1. It seems to me somewhat counterintuitive to have to set number of decimals under both Preferences and Format/number, but I guess if I have it way I want it, it's good.
Thanks again, Nancy