Thanks everyone for your help.  It looks like 32bit programs trying to call through MAPI 64bit programs problem.  New laptop in Jan 2022 so installed Thunderbird 64bit and 32 bit programs are trying to use but can't.  Have to downgrade Thunderbird to 32 bit version.   Too bad, 64 bit is really snappy.

There is a whole MAPI compatibility article that explains this:

https://docs.microsoft.com/en-us/office/client-developer/outlook/mapi/building-mapi-applications-on-...

This whole issue of 32bit/64bit needs to be resolved by Intuit (and other software providers) hopefully soon.