Ok, I converted back to numerical access levels and created a fail page to display the level and User ID - for both accounts it came out with the proper ID level.
But - there's a but here, going back to your previous response. I compared the Rules file that I uploaded with the current one and they are the same, so I misunderstood when you said Agent and Admin should be 1 and 2.
In the Edit Access Group dialog, it says "...Click Add to insert a new member into the group; Select a member to modify its value..."
So, I entered the two members using the name of the rules, not the value for the rules. Is this where I should have entered 1 and 2? I guess the instructions make sense if the member value is in text, but it's a little confusing when they're numbers. I'll give it a try.