try, try again -- and it worked!
I had to apply the piping to the insert and then work it into the shirt -- success...it isn't perfect, but I had to rip the whole thing apart to do redo it, and I think the shirt got a little stretched --
now to figure out how to address the raw edges on the inside...next time, I'll apply the piping to the insert, then surge the entire insert then put it in the shirt -- i think that will address any raw inside edges...
isn't this cool looking???