I found this issue [1].
I changed this in c:\Users\Scott\AppData\Roaming\Docker\settings.json,
"vpnkitCIDR": "192.168.65.0/28", to "vpnkitCIDR": "192.168.65.0/24", and Docker Desktop started up.
Sorry for the noise.
[1] issue: docker desktop failed to initialize · Issue #13025 · docker/for-win · GitHub