So, Jim Z suggested photos help.? I've attached a drawing called something like Paper Mill Extension.? The top, right track is the WYE with insulations/breaks (blue lines) where that track returns to the oval near the top and where another turnout leads back to the oval at the bottom.
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At this point -- when I get back from visiting a nephew to install three remote control turnouts on a DC layout -- I think I need to make sure the turnout just past the WYE at the top is not the culprit.? It seems to be creating derailments and that may be the source of my short!
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I'll keep working on this, albeit slowly, and really appreciate the advice I'm getting.
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mwbailey