Hey thanks! I feel like I need to let go a good "Doh!" Yes, I was measuring cold with the engine NOT running. That's why I never ran into this before because until recently, I always thought you had to do it hot with the engine running. Then I started reading the manuals that talk about the cold reading and assumed it was with the engine NOT running, a la checking the oil. Too much information running through my brain. Should have just stuck with the old method then no confusion.
Ok, then my fluid is low and I will add some to bring it up to where it needs to be.
It was still waaay overfiulled by the shop at first, though, a good 3 inches above the full mark when hot, and bubbles galore. I can report that the bubbles are gone even now with the fluid level low by about a half a quart, btw.
Thanks again for making it clear the engine needs to be running when checking either hot or cold. Seems obvious now.