State tax filing

I figured it out!

 

There was a question asking to "apportion your state taxes".  While I was clicking "Yes" each time, I didn't realize that I needed to hit edit next to each W-2 employer listed and put that I worked "0 days" in MA.

 

Once I did this, the refund jumped to the amount withheld and I was able to complete the MA state return with NO ERRORS.   Yipee!!!