Norah, you are probably right. This getting old sure isn't for sissies. I don't think I have looked at these formulas since begining quilting. They were useful once, or maybe that was just what the teachers told me. :lol:
As far as using bias for the band, I have not ever done that. I have used straight grain for making sides on round pillows and making hats for babies and such. I think that bias would be too unstable.