It's hard to say, Lisa. But when the primary (server) system installs fine with the download and then a similar (64 bit, win10) system fails, it's not really work figuring it out. i mean, the problem is resolved with the disk - and the install only needs to be done once, right?

it's up to Intuit to figure that out, and now that it works, they cannot replicate the problem on my system. so for me, I let it go once I got it installed. I think I posted the solution when this happened about 3 or 4 weeks ago..