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Update to my previous post.  I tried changing my WFA password and the import worked.  I did eliminate special characters from the new password just in case (most places require a special char, but WF doesn't).  So I don't know if the cure is not having any special chars, or just changing the password by itself.  In past years, I've been able to import with special chars in the password, so I'm thinking it's just a password refresh that fixed the problem.