Ok, I think I have a good understanding of what to do. Thank you for your help!
What boggles me is that it seems so complicated. Is the binding off for the neck section of a sweater always so .. pesky? I was imagining that you would bind the last row all at once. Now that I think about it, it's because the neck isn't straight, huh? It curves around the neck. Ok
I get it now.
Maybe it's just because I am a beginner .. but I have to ponder these things for 12 hours before I understand them .. oh well! Wish me luck!