--I want to thankl everyone who participated in this post. In fact, I didn't know there was another way, so I learned something new.
This particular credit card account is for 2 American Express cards one for me and one for my wife. We do not share finances, each of us pays for our own charges. We reconcile at the end of the month ... all transactions are divided into "R" (her), "G" (me) or "S" (shared 50-50). It might even be better if I used the OSU procedure you recommend. I think it's worth further research, which I promise to do!!!!!