Floridaboy, according to Riv and my calculations, my PBH is 35.5 inches and subtract from that about 4 inches the top of my seat to the center of my crank should be 31.5 inches but right now it is 30.5 inches so I guess I'm not too far off with that. (using PBH - 10 to 10.5 cm) where PBH = pubic bone height.
Or if using the other method on Rivs site (PBH x 0.873= SH.) I get 35.5 x 0.873 = 30.99 inches. So I'm really close just from what I played around as to what was comfortable for me without measuring.
Tomorrow I hope to post a pic or two of me on the bike.