I know it's saved as dynamic, I'm pretty sure I have the flowed properties set properly.
Here is what I am doing step by step.
1. Draw a subform on the page.
2. Draw a subform within that subform.
3. Place a text field inside of #2
4. Change the content of 1 to flowed
5. Changed the Binding to "Repeat Subform for each data item"
6. Set maximun count to 10 and the initial count to one.
7. Added a button control outside of the subforms
8. Ran the action builder on the button - when click add instance of #2 above.
Guess what - it worked - duh - I need therapy....Thanks for listening!