(a few programs store passwords separate from Mac OS keychains.)

And you can still use Skype?

The alert you're getting is not from Skype but from MacOS. It's simply MacOS Keychain asking you if you want it to remember your log-in info. I was hesitant for a long time about doing this with any website, but since I'm using the iPhone now for a lot of transactions (and my use of internet commerce has exploded) it's invaluable.

You can review all your passwords stored in Keychain by going to the Safari preferences and opening the Passwords folder.

Good luck.

constantly come back as if it wanted me to hit the other 2 options .

put the username and the password in , but we are a bit protective , we need a code before u can proceed or somthing like that . hope that helps .

code from skype , entered the security code into the field provided and bingo , i am back in, and no pesky keychain card to bug me yet. the card says always . never . and another thing i cant remember at this time . am doing snoopy happy dance . going happ y happ y joy joy.. if i get that card again , what should i select to make it leave me alone . thanks to all who helped