Something went a little hinky when I made the controller arrows and filled them, because now that I'm at the point where I wanted to inset them according to the directions.. 3 out of 4 faces I can selct fine.. but this 4th one.. always gets the neighboring face beside the arrow. Obviously that's not right. How do I separate them? 
Hi aaworkofmarc ,
It might be easiest to Delete that (Selected) Face. And if it's still there, also the yellow Edge.:
Then Filling the Triangle and NGon one after the other..
Yeah as Martin says, think about it as you made that face and the edge on top is going through it from above, which is not good, it's as if the edge is floating on top. It's one way of visualizing it to get your head around it. So you delete that face and you make the edge part of the structure by filling it properly. It's a bit hard to explain by text.
Man.. you people are the BEST! Had to delete some faces and edges and recut a edge with the K tool --but it's all worked out now. TY :)