Quicken online services not unavailable at this time. Wait ten minutes.

I have received this error repeatedly over a couple days. I have downloaded and reinstalled the latest patch. I have found closed threads asking the same question, but the solutions require access to the Quicken program. I cannot get past the sign on screen. If I select "Update Now", I get the error and a white screen. If I select "Skip", same result. The only way to close Quicken is by using Task Manager.
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