Mary, it is too easy to get bogged down in analysis of what chords are called. I play once a week as a solo performer and once as a accompanist to a fiddle player. Within this repertoire I am conscious of playing combinations of notes which fit the melody at the time of playing, but which would suffer from any heavy -handed attempt to annotate the names of the chords. Many so -called "chords" are simply "passing notes". I know this sounds musically illiterate, but I can't explain it any other way.