OK, you caught me on a busy day so I didn't bother to clean up this tutorial. Maybe I will do that some other day. The "ums" and heitations might be annoying, but my wife is waiting for me to go look at houses today.
The left hand side is right justified, and the right hand side is left justified - so that is why you have to hit the Tab key first. Oh, you can go back and apply this to existing credits, but it is easier if you start it with tabs to begin with.
By the way, thanks for marking it correct. It took me up and over into my second plus mark.