Hi George

Thanks again for getting back to me....but I disagree.  Not so Easy-Peasy

I did in fact do what you suggested.  Been-there-done-that.  In fact I did this long before trying to find a solution here.  

Settings > Client Invoice > Additional Charges > You should see your "Discounts" - Click on it and hit the delete key > Close and select Yes to save

This does NOT WORK.  When I select Yes to say, I receive a message that states:  "Cannot Delete Default Setup File"

I stated this earlier when I posted my question here.  Guess you missed that.

Any other ideas?