Problem Solved!
MikeTO opened the door to finding the answer. I went through his Expert Guide to File > Document Set-up. That's where to choose color and other file choices. I am making a black and white photobook on a commercial (black and white only) inkjet printer. I had simply set my color to Grey/8 and Black and White under the color choices. It turns out that the Black and White setting has no white in it, just black. I discovered this by toggling back and forth through the choices and my totally black picture. I tried all the b/w settings and all were good except Black and White. Go figure.
Thank you all who put in the time and know-how to help me. The difference between plowing through video tutorials vs. looking things up in MikeTO's fine Expert Guide is in time saved. Tutorials are good, but for me a "how to" book can address my needs directly.
Frank