Thank you all for getting back to me. I've tried both ways.
recce101's solution is here: http://mmnkltd.com/trials/leading.html To make it all balance out I put a border at the bottom of the ul;
[B]border-bottom: 14px solid #FF9; /* light yellow line */[/B]
that worked except for the large space above the list.
and Erik J's here: http://mmnkltd.com/trials/leading02.html
This also worked, but unless I misunderstand the "*" the style will apply to all the unordered lists -- something I don't think I want.
I tried some variations on the <ul>s but couldn't keep the style from applying to other ids of the uls. (Like I said, my understanding of the "*" may be wrong.)