After testing, determined that its something in the xml for that login ID, and only on the NEW 891.5 build.
No problem with other logins on the same install. Tested on another machine , same issue crops up with a copy of the problematic xml.
PREVIOUS versions of TWS are fine. Turkey at IB says I should delete everything and start from scratch.
Is it my fault that the latest build reads some setting that was fine for years and pukes on it?
If I have to rebuild I will but they really should be able to track the problem.