I am new to Zoho books and trying to figure how estimates, sales orders and invoices work within the Zoho Finance module.  

I added a dummy account that is tied to a personal address.  when creating an estimate, I am able to pick an item, quantity; it calculates the taxes and generates a pdf with the estimate.  When I hit the Save and Send option: The Send To in the Email To window is blank.  The From is filled in, the subject is filled, even a copy of the estimate and the PDF is there.   However, the Send To is completely blank:

There is no drop list to select a specific contact or even a default.  

I am not sure if something when wonky when I set up the integration between Zoho CRM and Zoho Finance Suite.

Any Help is appreciated