I am so excited! I figured it out. I figured out trim. I was thinking about it all wrong. I wasn't making the connection between knitting in the round (the body of the cowl) and knitting straight (the trim). Once I made that leap, the rest is easy.
The last stitch on 3 of the rows of the Holly Berry trim use one stitch on the bottom of the cowl. This is how you attach it to the bottom of the cowl.
I'm very proud of myself on this one. I have been mulling this one over and over for a few days. Pictures will follow once it is done.
3 days ago