Amy I am writing this very sheepishly...
I just got off the phone with my mom (aka knitting teacher) and she informed me that we had decided to go up a size on the sweater, ie make a 6 not a 4 and THAT is why my decrease is off....I should have done 19!!! rows!!!
Anyway this will put me EXACTLY where I should be....
I am glad for the help, and sorry if I wasted too much of your time!!
such is the life of a newbie!!!!
Thanks and apologies