You are correct Nancye! I apologize for the error on my part. I always forget about those borders, lol!
I took the question as the dimensions stated were the exact ones they were needing?! But you're right that if they hadn't considered the extra inches in those dimensions that in the post, then they would need the size you gave in your post.
So confusing sometimes, lol! Hope we haven't confused the original poster too much?!
~Kristi @ ECS