Thanks Justin, but I figured out that any Rich content goes in the Inner DIV so I just made the Outer one like this:
div#outerWrapDiv {
  height: 100%;
  width: 100%;
  }
. . . and the Inner one like this:  
  div#innerWrapDiv {
  position: relative;
  width:960px;
  height:100%;
  margin: 0 auto;
  margin-left: auto;
  margin-right: auto;
}
. . . and that seemed to fix it. 
I just wished there were some text document stating where any "dropped" or "Rich" content goes so I didn't have to hunt this down or do a "trial and error" to find out. Or at least better comments in the template file.