Thanks theducks! Have been experimenting with copies... oh, how I hate TOC!! So glad future projects will be plain old fictional novels. No pictures, no TOC, no headings beyond H1... my god it sounds like a dream!
Could not have picked a worse first-project to cut my teeth on. Has felt like trying to get up Everest! In flip-flops... blind... carrying a piano! (Because a little exaggeration never hurt anyone.)
[EDIT: Well I guess even fiction will have a TOC but H1 only for each chapter. No brainer! Even for me!]