Follow up – to make a long story short, I needed to reinstall my theme to get some files I accidentally deleted from my Library. When I did – it completely wiped out my site content – UGH. SOOOOO I am using the files from my back up from last night (I have it set to do auto backup) and am restoring the site now (using Filezilla) as I write this. The zip file it generated is fine, when I opened it no problems and seems to be transferring fine to site now. So Good timing on your question. lol