Thanks to all for their comments.
Epoxy was not used - just the varnish on bare wood.
Is clear the first coat was too thick, which allowed the accumulation to form.
Although the accumulation was not all that thick - I would have thought it would have
dried hard after 4 days with max. daytime temps in the mid 90's.
A better description would be gummy instead of sticky - kind of balled up when sanding.
Was going to apply the next coat this afternoon - and it is now raining.
No complaints on the rain - it is sorely needed.
Drier days are sure to come shortly.
Regards,
Doug