Got it! That's the ticket post #5 - thanks Noglider! I never would have thought you have to take wrench to the caliper arm and bend inward. I removed the pads, got the mouth of a big crescent wrench in position where the pads would go and squeezed. Hard. The caliper tab seemed to just barely move in.
I re-installed the pads and took it for a test ride.
Silent. Absolutely silent.