Quantum physics works exceptionally well in practice. It has justifiably been called "the most successful scientific theory ever". Its problems are interpretational: how to make sense of its various rational contradictions. The question having occupied some of humanity's best brains for nearly a century, with spectacular lack of success, one is led to suspect its fundamental assumptions. Two such are that a) the quantum/photon is the minimum existing energy/matter packet; b) subatomic reality is inherently indeterminate. Neither is justified. The quantum could be our minimum observable energy/matter packet. Physical reality could be essentially determinate. But due to quantum measurement uncertainty, in the subatomic domain it appears to be indeterminate. In each case there are two hypotheses, neither of which can be proved nor refuted, meaning that both must be considered. Mainstream QM fails to do this. The present article adopts a realist approach. Physical reality is conceived as essentially classical and determinate. But due to the limitations of our neurone-based perceptual mechanism, we experience it in terms of three 'perceptual categories': 1) 'classical', where observations don't affect the observed, and our knowledge is certain to within experimental error; 2) 'quantum' where they do, and our knowledge is uncertain; 3) a hypothetical undetectable 'subliminal substrate'. Our overall universe view is then inherently incomplete, and apparent quantum indeterminacy is due to this. Imagine trying to model the behaviour of icebergs based only on what we see above the sea surface. We would be postulating 'dark iceberg matter'. Being based on the differing ways in which we obtain knowledge, we call it the Epistemological Interpretation of quantum physics. It is conceptual and 98% non-mathematical.