Hmm. I unzipped the ePub file, and using epubcheck as a guide, fixed the errors in the opf and xhtml files. Someone had a AppleScript on mobileread.com that zipped things back up nicely into an ePub. The resulting file passes epubcheck with no errors or warnings, but still doesn't display correctly on the iPad.
I converted the ePub to a MOBI in Calibre, and loaded it on my Kindle (early adopter syndrome here), and it displays fine there.
It sounds like the file had a problem in Stanza, but I never transfered books to that, so I didn't know. When I got the nook, I loaded it and had no problem. Now it seems to be fixed, but no joy. I did try a third ePub, and it loaded fine.
Oh well, I'm loving the rest of the iPad enough. Back to it!