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Here's what we did this morning:  my sister deleted the state file from her TT return, saved the return, successfully opened the return WITHOUT the state file, and forwarded it to me.

 

I successfully opened the return WITHOUT the state file, which is entirely sufficient for my review, and that concludes this tortured tale.

 

There is a PS:  my sister installed the state file in the new return, successfully opened it with populated entries in the state file, and forwarded it to me.  I again opened to a repeat of yesterday, with a frozen file and a dialog box calling for a state file download -- and went to Task Manager to end the task.

 

I've had more than enough,