Thanks @paolo and @guust,
Couple of thins for clarification:
#1: One thing I noticed even though I have the premium pricing turned on, the user can just go into Edit Listing and edit everything, circumventing the upgrade listing feature. It seems like that should be turned off if you have premium fields turned on. If you select upgrade listing then the premium field filtering works.
#2A: My scenario will probably require custom coding. Basically, I would like anyone to be able to sponsor or upgrade and account for the claimant. Once upgraded (sponsored) the owner/claimant would be able to update premium fields.
#2B: I would like for anyone to be able to edit basic non-premium info using the edit feature. I have figured out how to turn that on. However, it looks like the edit feature gives full access and ignores the premium field settings as mentioned in #1 above.
Don’t expect you guys to solve this, but any advice would be appreciated.
Thanks, Howard