There are a couple other ideas that touch on write off options - think most would be resolved if write off amounts by default were not included in gift totals on gift tab, in amounts received on installment/transaction tab of gift record, etc. Can be optional to include in gift total in configuation if there are those who want option. There are times we want to report on amount pledged but I don't want amounts written off to be included. Could be easier to work with.