Finally...I think it clicks. One of the lovely ladies in my critique group put it this way; Whenever you say she saw or she heard, you're telling. You don't need this because you are in her POV. Would she say to herself...I heard or I saw? Pretend you are she and show it.
Yep, folks, I'm still growing and learning. Thank God for wonderful friends willing to continue to correct you when you're wrong, support you until you get it right, then congratulate you when you do!