* Using the EXIFTOOL I also see the keywords I added in Lightroom in the SUBJECT field.
My confusion was that when I tried to look at the KEYWORDS in the SMUGMUG image SETTINGS, the keywords do not appear.
However, I was able to use SMART RULES in SMUGMUG to create special galleries based on KEYWORDS.
My conclusion is that SMUGMUG has my Lightroom KEYWORDS, but will not show them in the SETTING view. I'm guessing this is to prevent difference between Lightroom and SMUGMUG. Not a bad idea, just a little confusing.
I consider this question answered: Operator mis-understanding - LOL