It had UM 16. Then Prisim PureOS was installed using delete partition and install.
Wipe and then nothing but UM; no SSD, "sda" (Seventh-day Adventist huh - ?) UM goes on the HDD, no where else with anything else.
Yes, I said it meets all the requirements:
Not the version I got from here, that was /ectched/burned/uncompressed to the USB )(whatever). I followed the link from the front end to downloads and clicked "download" that took me to a page where I picked the one that says "64-bit PCs/Macs" and then the next pages, chose "20.04 LTS Focal Fossa"
I would have chosen WIPE. I know it means the same thing it did 1983.
Maybe that's the problem - I followed the guide 
and not one shoe fits all so I searched before posting here.
NOTE: When I was able to get to the desktop, there was mention that I was Live access of some sort.
Thanks @ pavlos_kairis
s.