Thanks for the reply but I have tried various things with various customer services reps (I have the paid plan) and I cant loose another work day right now being on help chat. After I get the verify errors the program crashes, I reopen it, change the admin password, rebuild the file which makes a complete backup and proceed with my work till it happens again a few days later. It doesn't actually seem to affect anything at all and replacing the data it says is bad doesn't help the unpredictable eventual outcome.  I can't take the risk of updating to 2021 before I finish last years books here this week, as I don't have the time to fix that if it doesn't go right either. On Service rep said updating to 2021 will likely fix my issue, but another said it is possible it won't also.

We'll see how this goes.