Ok, went by the Apple store. They determined the hd was borked. They said they would replace it under the Apple Extended Care and reload the OS for me if I wanted them to. But, they would only put the same size hd that it had. And I would have to leave it for the day and hope they had time to get to it. And they would do it free of charge. Well I had already purchased a new bigger hd that I wanted to use. And they were fine with that. I asked if they had anyway I could get my files off my existing hd. They wouldn't really help with this, because they don't offer that service any longer. But, they let me borrow one of their external hd's with a boot system on it to get my mac up and running. I was then able to hook up my external hd and copy all my files from the borked hd to my external drive. I just installed the new hd and am in the process of reloading the OS.
Quite the learning experience. After I get everything back to normal, I will do a backup. Then create my own boot system on another external hd in case I should need to do this again. Thumbs up to the folks at the Apple Store.