Hi Normam, I am trying to persevere with your suggestion. When I executed (Cmd+Opt+Shft+E) (it looks like Photoshop called it Stamp visible - is this the same thing ? ) its created to a layman like me, a consolidated image right at the top of the pile. Can you talk me through the next step please "At that point Blend If will deal with two layers -- the image layer, and the. one that will eventually be white" ... thank you
Rob

Ah, you now have a composite of all the image layers combined into one layer holding the complete image on a whiteish background. For the sake of clarity, let's call it the Comp Layer. (It is Layer 22) The next step, without making a Selection, is to replace the whitish background in the Comp Layer with a pure white one.
Here we go:
A. Add a blank layer below the Comp Layer. (To avoid confusion, turn off the eye adjacent to all the layers below this new blank layer.)
B. Edit > Fill the blank layer with 50% gray. (The reason for this is mentioned in Post #3 above)
C. Choose the Comp Layer and double-click in its clear area. It will bring up the Layer Style panel.
D, In the Blend If section at the bottom of the Layer Style panel, slide the top right marker slowly to the left.
E. Slide it until all the white is replaced with the gray of the layer below. You will find that you will accomplish this at about 231

F. Choose the layer below the Comp Layer. It is 50% gray.
G. Edit > Fill with white, At this point the only layers that are visible (have the Eye showing) are the Comp Layer and the White layer that is directly below it.
H. Choose Layer > Merge Visible
Done.