So I just finished with chat - they had me reset the SMC and a pram reset.  It still was not working, so while she was off trying to figure the problems, I was playing with my cords.  Hopefully I did not have 1 end from 2 different HDMI cords plugged in.  Or the reset fixed the problems, plus unplugging the cords.  I did also verify that I could have a 4k monitor and 1080p plugged in to my Mac mini....