KS - makes sense. I had a feeling maybe the film might be slower than 100. I will try and rate it at 64 and then develop a little longer. This was very flat light. That would be about 2 stops.
Tom - gotcha. I know nothing about flash photography. Nothing. What you said makes sense though.
Steve - I appreciate what you are saying, but the negative is way under exposed. That adjustment for me would be giant.