As a consequence of QCD factorization theorems, a wide variety of inclusive
and exclusive cross sections may be formulated in terms of a universal col
our dipole cross section at small x. It is well known that for small transv
erse size dipoles this cross section is related to the leading-log gluon de
nsity. Using the measured pion-proton cross section as a guide, we suggest
a reasonable extrapolation of the dipole cross section to the large transve
rse sire region. We point out that the observed magnitude and small x rise
of the gluon density from conventional fits implies that the DGLAP approxim
ation has a restricted region of applicability. We found that 'higher twist
' or unitarity corrections are required in, or close to, the HERA kinematic
region, even for small 'perturbative' dipoles for scattering at central im
pact parameters. This means that the usual perturbative leading twist descr
iption, for moderate virtualities, 1 < Q(2) < 10 GeV2 has rather large 'hig
her twist' corrections at small x. In addition, for these virtualities, we
also find sizeable contributions from large non-perturbative dipoles (b gre
ater than or similar to 0.4 fm) to F-2, and also to F-L. This also leads to
deviations from the standard leading twist DGLAP results, at small x and m
oderate Q(2). Our model also describes the low Q(2) data very well without
any further tuning; We generalize the Gribov unitarity limit for the struct
ure functions of a hadron target to account for the blackening of the inter
action at central impact parameters and to include scattering at peripheral
impact parameters which dominate at extremely large energies.