Cheese, my apologies guys, I should have known better!!!

Taking my own advice, and that of so many others, I checked the older postings. Indeed, I read all 18 pages of the Bally reel section. Now I have all the answers to my technical question (thanks to superb contributors like Badbaud and Amechanic)

without bugging anyone, and will proceed accordingly. If I learn something new, I'll post it.
But I would still be interested in knowing if I can get chips to alter the payout; for family and guests I'd like the highest I can get, 97% or higher. (For dear sweet Grandma Ola, I'd love to give her 150%!)