Did everything in the link above a few times and finally got it to open and save (using desktop,etc. approach).  Thank you, saved me 3 hours worth of work.

For the suggestion box:  PS has a longer memory than usual this year and, while I appreciate the need to protect the sanctity of files, the network administrator needs a way in which to open/unlock problematic files.  This event occurred due to the 'unprovoked' shut down of 2020.  It seems that PS tends to fight more and more for Intuit resources that may be shared by both PS and QB when both are open/in use.

Thanks for the help.