Look up “layers” not “chords.” You use layers for notes of different durations on the same beat. If you can’t figure it out after watching the help videos, post a picture, and we will help you.

Thank you for the prompt response!  That helps -- couldn't find any videos, but the manual and some experimentation helped.  Still doesn't present the opening chord as a chord, but I guess that's ok.  For some reason it insists on pointing the stems in the wrong direction, though.  The short-duration notes are all at the bottom of the base line in a piano score -- sort of a walking bass.  The stems are up when layer2 is viewed alone, but down when both layers are viewed together.  Tried to upload screenshots in .jpg and .png format, but this webpage won't accept them.

Paul Rebstock,

Generally, in Layers the stem direction is a document specific setting.

Look here:

Document menu > Document Options > Layers

Paul,

You can send it directly to me. My email is encoded in my signature. I'm sure we can help you out.

You can flip a stem using the L key.

Thank you all for your help -- I appreciate the support for us newbies!