Loan Reminder vs. Memorized Payee on Loan Payment Options

I'm having trouble getting Q Premier to enter my mortgage payment into my checking register automatically as a "Send" transaction. Instead, it's entered as a "Sched" transaction, forcing me to edit it each month and send it when I Update the account. I overlooked this last month and had to pay a $75 late fee to the mortgage company.

In the Loan Payment Options, the options "Loan Reminder" and "Memorized Payee" are very unclear. Here are my specific questions:

1. Loan Reminders are only supposed to set a reminder, just as the name suggests. But there's a check-box where I can select it to be automatically entered (doesn't say where the entry will occur, so I'm not understanding this).

2. Why is Quicken recommending using a Loan Reminder instead of a Memorized Payee? What are the advantages?

3. Text under both options say they will calculate the principal an interest automatically, but neither of them need to do that because the loan setup in Quicken has already done those calculations. So what is meant by these functions doing that calculation? Could they potentially override the Mortgage setup an introduce erroneous payments? Did Programmer A know what Programmer B was up to?

4. I selected the Loan Reminder option, which is contra-intuitive because of course my mortgage company is a Memorized Payee. But when Q enters the payment directly into the register, how do I get it to enter it as a "Send" transaction?

I spent several hours with three different phone reps and basically walked the third guy through a mortgage setup (none of them knew how to do it). But he could not answer these questions, so I'm about 95% complete on this. I just need to get the transaction entered as a "Send", which was never a problem on earlier releases until Quicken threw a wrench into this process.