Found the problem. Happy dance time!!!!
Two lines in the Simulation.bin were pointing to the 2-8-2-L in the GreatNorthern Sim folder. If anyone has that engine then it works. I don't have that engine so it crashes game. Here are the two lines. I changed them to the proper place and all is well.
<cCSVContainer>
<CsvFile d:type="cDeltaString">Britkits\Steam\RailVehicles\USRA_2-8-2-L\GreatNorthern\Simulation\TractiveEffortVsCutoff</CsvFile>
</cCSVContainer>
</TractiveEffortVsCutoff>
<TractiveEffortLinearVsSpeed>
<cCSVContainer>
<CsvFile d:type="cDeltaString">Britkits\Steam\RailVehicles\USRA_2-8-2-L\GreatNorthern\Simulation\TractiveEffortLinearVsSpeed</CsvFile>
Britkits\Steam\RailVehicles\USRA_2-8-2-L\GreatNorthern\Simulation
(should be)
Britkits\Steam\RailVehicles\USRA_2-8-2-H\Default\Simulation