Sure enough, the "one penny" work around" took care of things. Return was accepted in less than 30 minutes.
I'm starting to think this is more of a TurboTax issue. I found a thread I used in 2019 https://ttlc.intuit.com/community/retirement/discussion/i-have-the-same-issue-turbotax-has-a-bug-the... where TurboTax kept giving an "out of balance" error and the I had to go into Forms mode and do a similar one penny trick.
Glad to be done with this and thanks again for everyone sharing.
