[hb]

Well, I figured this would get so confusing, so I will attempt to upload a pic of an example. I hope you can see that the last melody note gets the C chord with it, but the chord is not called for until the next measure. This seems like it always occurs when the note is tied to the next measure. Perhaps I just not good at reading music!
Sorry the pic isn't very good but it's the best I could do!
Hope this helps,
hb