Error: "That password is incorrect. Make sure you are using the password for your Microsoft account."

Win 10 1607, build 14393.953. The machine is up to date, last check at 9:53am this morning.

I am not having difficulty logging into my local machine account.

Windows Live Mail (WLM) is used to read and respond to my Cox and gmail accounts. I don't use a Microsoft account on this Windows 10 machine (desktop), I use a local account, 3 of them, 1 is for email and general use. I have not setup two factor anything. My cell is the only thing that could receive a text for two factor, no text received, so nothing setup (yes, I have received other texts for other apps).

I did change the password for my Microsoft account, the one I don't use on this computer. I do not use Outlook or any other email client.

Error started showing up this morning when I restarted WLM after working many, many months. I've been using WLM this way since W10 came out. I upgraded in place from Win7.

I do have a Microsoft account, just not for mail on this machine. 

I have tried logging in with my Microsoft account, but WLM insists on an email address. My Microsoft account works on my laptop, the only machine I have that uses that account for machine login. I am not interested in doing email on the laptop,

I have rebooted which didn't help, still got the error

So, what's going on?

John