No problem, MoonDog. I really do appreciate your help. I took a look at that other forum and it is not what I need.
What I need is seen here:
http://www.jackmansfabrics.com/Bridal-Fabrics-p-1-c-294.html
This page shows a SubCategory Heading with the products below and then ANOTHER SubCategory Heading below that and its products below and so forth.
By default, x-cart just shows the subcategories (with or without images) but not the products. You actually have to click on the subcategory to see the products of just that subcategory.
I need for my customer to see all the subcategory headings with the corresponding products below each.
I hope that makes sense. I saw 1 thread about this, but it was not made for 4.1.8 or newer.
I'm kinda bummed out. Good news is... I think I am going to use this mod anyway because the menu I have is "jumpy" and I'm not a huge fan.