DQRider 

Thanks, Big Chief. I've had an account with Yellow Jersey since last September or so. Andrew has been a big help.

Since I posted earlier, I've improved the situation quite a bit with some adjustments. It's really a straightforward mechanism, but there are some subtleties to it. Cleaning both wheels with alcohol seemed to help, as did tightening up the pull on the rear brakes. As the pads bed-in, I imagine it will get even better.