This is my follow up:
The ONLY solution I found was to roll back to the previous update - 9.21.
*** warning - if you do not have a backup to restore your AP DATA, it will be gone. Backup your AP DATA first.
This was possible due to a post I found where:
1) the 9.21 update was done while connected to your PC
2) press shift and then "restore" in iTunes
3) you are given the option to look for the previous update - which is in your recycle bin
4) select the 9.21 update, and move through the old update warnings
5) once downgraded - realize you have lost all your data. You now need to restore. I went all the way back to backup when I installed 9.21.
6) after hours of updating apps and restoring data - all is good.
*note - I considered "restoring" my Ap data using the 9.3 OS. Perhaps it would have worked fine. I wanted to take no chances though, so I went all the way back. Perhaps it would have saves slit of time.
T