Audrey,
“All” refers to the panel memory only.
1-You have Three, which is A B C of the panel memory.

2-Then you have “All” which is A B C and 1 through 10 in the panel memory.
Audrey, Think of all the memories areas, (RAM) as different baskets to put your information in. Each basket accommodates different information.

1-Current Panel—the general information that is in your keyboard before saving. I am using the word general because I have never taken the time to see exactly what it saves. I always save it to be safe.

2-Panel Memory – Three or All

3-Sequence – your sequence.

4-Composer – the three styles in your composer.

5-Sound memory – Any altered sounds that you have created or loaded into your keyboard.

6-Performance Pads –the Pads

7-Effect memory. Again, this does save effects. Exactly which ones I don’t know. I always save it to be safe.

8-User Midi Settings – If there are any settings used to control an external device or an external device used to control the keyboard it is saved here.

9-Favorites – I love this one. The little circle on the lower left end of the keyboard. Lot’s of goodies here. Good subject for later.

10-Home Page – That is what you see in the screen. The screen can be customized. I am amazed to see people use a Home page with half the information that is needed. Also a good topic for later.

11-All Custom styles – As it says, your custom 20 styles.

Some of this is very basic, but let’s not leave a stone unturned.
The saving or loading procedure gives you the option of choosing what items you wish to save or load.
In the saving procedure, on the second page, you will see Performance. This method will save 1 through to 7 Effect memory.
CAUTION – This will save only A B C of the panel memory. It does not save Panel Memories 1 through 10.

Initialize – Factory method empties all the baskets.

Initialize – Program Menus gives you the ability to choose which areas you are Initializing. (Deleting)

When you press and hold SET in the middle of the Panel Memory then press one of the panel memories to save information, you are only putting your information in a basket which can be over written or lost after one week. (According to page 198 in the manual) This type of saving should be saved on a disk or SD card.

My method of saving is to go to page two of the saving procedure and press ALL OFF, right bottom of window. Then I select the items that I wish to save – remembering that I may wish to save ALL instead of Three. (Panels)
Sometimes I press Performance on the second page and then add ALL or three. The performance method of saving does not include:
1-User Midi Settings
2-Favorites
3-Home Page
4-All Custom Styles

(I must like doping this)
Hope this clarifies, John C.