i did not update or touch HA. in fact, i even try to restore the last good snapshot of HA and that did not resolve. even after multiple core or host reboot.
ok, i think i got it resolved.
i had to go back here and put in the id of the broker. the “normal” id with short password does not work. id has to be “homeassistant”
all is well now. not sure why it needs my input after a restart of HA.