Thank-you Sunnyman

I was trying to Create Accounting for the Invoice and Payment ONLINE. I didn't submit the Create Accounting porogram so there is no Request submitted.
HOWEVER, thank-you for giving me the idea to :
1) Shut Down ALL services via scripts
2) Start Up Database + Listener
3) Downsize the number of concurrent managers based on Hasan's sql script
3) Start UP the Application Server
....
This seems to have resolved my problem.
Create Accounting takes approx 1-3 minutes now.
Thank-you for the CLUE. You were helpful. Thanks :)