Went thru the Setup Wizard again with the intention of changing the path information for FTP. Well, that solved the stack trace issue, but created a new one
The screenshot shows the page. I went back thru the process checking carefully for missed fields, but I didn't see any (they all seem to be filled in anyway with default/suggested information). Moving thru the wizard this time around did not give me the FTP screen, just skipped from step 7 to error.