I am experiencing an unwanted "auto reconciliation" in
Money 2004. When I download transactions (manually or
automatically) for one of my citibank credit card accounts
all downloaded transactions are marked as reconciled.

I have auto-reconcile disabled and download for several
other accounts (including another citibank credit card)
without this problem.

In searching this newsgroup I found similar complaints
from others and a suggestion to put in a dummy transaction
that won't be matched by the bank. I tried this, but it
didn't work.

Any/all other suggestions would be appreciated.