Believe I have the solution to this problem.  

First thing I did was uninstall all Lacerte and remove directories and files after that, followed by a reboot.

Then I did a download of the PREP file and saved it.  Then I did the install saying to use the saved PREP file.  

Then the only change I made was to install to the individual directory (in my case: C:\Users\ddbla) vice default installation location (C:\).  

When finished everything worked perfectly.  Well at least for me.  Hopefully that's helpful for others who might run into this.