I managed to change the serting of the pi to reserved ip and had no issiues "yet" if it returns ill let you guys know, i still connect to winscp via the username, if the issue returns ill use the ip of the pi on winscp as the username to see what happens...
thanks for the extract. Since I can't copy - i went thru it line by line and could not find any differences. I thought maybe I added a character somewhere and this is what i needed to validate.
I really appreciate your help. if you (or anyone) has any other ideas, I am willing to try!