Thanks for all the questions Matt -
1. I changed the password in the database using phpMyAdmin and used the dropdown for MD5 so they, too, were encrypted.
2. I was using /wp-admin but someone claimed they went straight to /wp-login.php and that worked for them, but it didn't help in my case.
3. So much for correcting spelling - at least I felt better.
4. 95% of the time I enter the username and password and submit and nothing happens - it goes nowhere. Note - If I put in the wrong password, it knows it and tells me so. If I put in the correct username and password, it just sits there, doing nothing.
5. I will try a 3rd admin next time I get in -- certainly worth trying.
6. No 404 error - just a notice that says that was an incorrect key.
-- I'll try a 3rd Admin and see if that one can get in consistently. Right now, I can't get back into it. Maybe later. Thanks.