Yes the bottom row needs to be shifted one block over either to the right or left. Then add a small border of green and a small border of blue and then add your black border. I am comfortable with the checker board just on the bottom. It's fine to me. Is this just going to be a throw or do you need a pillow tuck at the top? If you need a pillow tuck at the top then I might rethink the layout. I think it is a great quilt. Sort of unexpected!