Looks like I found the problem!?
In train build options, "allow cars to travel from origin to terminal" was checked. By unchecking that the switch list gave me orders to swap an empty for a loaded flatcar.
The only problem now is that the program must often find destinations for more cars than my woefully incomplete layout can accommodate so I'm getting a lot of "Build Failed" when I build trains.
I suspect the program will work better for me once I have a bigger yard and more spurs in place.
Thanks again for all the help. If anyone has any other info that might help...I'm here to learn!
Paul
