Panel problem solved!

I finally figured out how to make my panels go away while testing!!!
I know, I’m pathetic, but this makes me happy.
See http://www.bit-101.com/blog/archives/000120.html
Thanks to Derek for the hint.
It was the custom panel I had in there. The weird thing is that even after you close the panel and resave the layout, it will continue to think the custom panel is there. So you can’t just close the offending panel, you have to undock it, then close it, then save the layout.
Actually, you don’t even have to close the evil-causing panel. Just leave it undocked and your other panels will be fine.