HAH! I'm almost embarrassed to tell you - but what the heck ..... I had grabbed my camera out of my Think Tank bag which is super snug after shoving it in there quickly after a shoot and apparently when I grabbed it on the run yesterday, it rubbed the Focus Mode Selector and slid it to M. I know I know - should have been the first thing I checked, and I thought I had, as its the first thing I thought of ... but I must have missed it or been interrupted or whatever and went immediately into OMG WHAT IS WRONG - MUST TALK TO MY NIKON BUDDIES mode. This a.m. with a clearer head and the decision that I would have to use Camera #2 while this one got fixed I calmly went over everything again .... and then kicked myself. So thank you all for your kind help .... just sign me "idiot"