So, I didn't make any setting changes but the comments field disappeared.
Don't know why. Don't know how to fix it.
**Yay! Comments are back. Phew! I didn't want to miss out on all your lovely thoughts.
(Don't ask me how or why they went away and all the things I did to get them back. It was a work in progress of trying everything and re-saving settings, etc. I even messed around with the HTML, which gave me an appreciation for my husbands job!)