CODE
fname = "ChkDigitsSent" & Format(Now(), "mm") & Format(Now(), "dd") &
Format(Now(), "yy") & ".xls"
MsgBox fname ' There is no quote mark displayed here
ans = MsgBox("Do you want to save a copy of the file as: " & Chr$(10) &
Chr$(34) & fname, vbYesNo + vbQuestion, "Create Copy?") ' There IS a quote
mark displayed here (see below)

QUESTION
I'd like to know where the quote mark is coming from as is generated by the
code above.

MESSAGE BOX
Do you want to save a copy of the file as:
"ChkDigitsSent013005.xls