Actually I called the tech help for Microsoft 365--I have a subscription. The guy came on board, checked a bunch of stuff, and fixed (replaced? cleared?) my cache for the program. That fixed the problem.
I had NOT taken the suggestion of some to change the cache since there are so many warning about doing so if you try, and in any event no one suggested HOW to change it. I'd strongly suggest that those with the issue either get the free help available for a subscription or fork out for someone who knows what they are doing to change it.
It took a couple of hours for all my notes to re-synch, but it was well worth it.