Oh Ingrid! - something in your post flipped the switch for me!
The directions aren't saying "work 9 horizontal reps
then do rows 1 -28".....they are saying to do rows 1-28, which consist of 9 horizontal reps of the 10 st pattern! So simple - obviously I just developed a mental block on this one and was trying to make it much harder than it really was LOL
Thanks all for your help and input!
BTW: Ingrid, I have to tell you that I think of you often while knitting-in that bright red sweater

....your signature "trust the pattern" has become my mantra and constant repition of it in my head has saved me from going down many a treacherous knitting path!

Thankss for watching out for us newbie knitters!