[Frank Cox]

I'm sure that I'm overlooking something obvious here.

If I want to make a note at the very top of the page, the toolbar is in the way and I can't get under it to do that.

Can anyone spare a clue for the clueless?

[palosanto]

Frank, 
Use the pan tool and drag the page down.

[BRX]

Frank, 
Use the pan tool and drag the page down.

Even better: Use the arrow button next to the "closing-X" in the left top corner.

(Seems obvious in hindsight but I struggled for a while with the toolbar in the way as well until I found that)

[palosanto]

Frank, 
Use the pan tool and drag the page down.

Even better: Use the arrow button next to the "closing-X" in the left top corner.

(Seems obvious in hindsight but I struggled for a while with the toolbar in the way as well until I found that)

Not sure about 'better' in this case. It means that you'll have to pick the text tool, pen tool or whatever you want to annotate with first, collapse the toolbar, do the annotation and extend back the toolbar once you are done.
But it's certainly an option

[Skip]

There is a circle with a dot in it that has the same tools as the tool bar available when the bar is closed. It's on the right side of my display. just tap the dot.

[BRX]

Yeah, especially if one is using the annotation palette/circle (as I assumed) it seems to me the better option. 

But we surely can agree that Mike packed his little program with so many features and options that it is difficult to know and use them all.

[Frank Cox]

Bing!

Thanks ever so much, folks!