I want to thank you all for your input, patience and help. I know everyone was trying to assist - some with different perspectives.
For me this is resolved - there was a slight discrepancy with the readings but I round that off to my TRS cable and the Multimeter itself.
I was able to get the values I wanted, namely, spot on 1.228 and 0.775 - but rather than use -20dBFS I adjusted the sine wave level to -19.77 and the meter read 1.228 - and for 0.775 I again had to change -16dBFS to -15.8dBFS. Not optimal - but the world isn't perfect and the point of the tests was to establish whether my Outputs were calibrated to -20 or -18...and I can safely say they were calibrated for -20dBFS.