I finally gave up and went to Verizon. All new people there! I told the tech what I had done trying to update. She said they didn't have the capability to flash the update, so she is getting me a replacement phone over-nighted and under warranty.
Still no-go here. Calling Verizon tech support. I refuse to set foot in another store. Do not like the rude treatment and lack of respect from their staff. Online people though are great