client_encoding error on load

I'm using these commands to perform a dump and load.

pg_dump -c lakevie_typo | gzip > $HOME/backups/typo_$DATE.sql.gz
gzip < $HOME/backups/typo_$DATE.sql.gz |psql -d lakevie_typobak -f -

The dump is fine but the load only works if I first extract the sql, then run it.  Running it using the pipe to psql, I get:

psql:<stdin>:71: ERROR:  invalid byte sequence for encoding "UTF8": 0x8b
HINT:  This error can also happen if the byte sequence does not match the encoding expected by the server, which is controlled by "client_encoding".

yet, doing a 'psql -l' shows this database to be UTF-8.  And the dump file says:

SET client_encoding = 'UTF8';


My goal is to get the two line dump/load working so I don't have any manual steps and sql files laying around.  Any ideas?

Andy