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Here's the deal. My TT 2019 finds the file instantly. I know the file name but not the extension. TT2020 finds nothing. Because I opened TT2019, the mac finder has the file. 

If I hadn't been using TurboTax since at least 2010, I'd think this was a basic coding problem. Instead, this looks like an update issue.

So what don't I know? I thought the basic TurboTax file extension was *.TAX. No?

I'm on an iMac running macOS 11.3.