Well it's obviously a hardware or software issue 
How I hoped it was me.
But this is not a hard unit to track and record with. Very basic , actually.
Roland is way more complicated, depending on what one wants to do.
things like automation (3 types), backup, and other functions a bit hard at first.
Here's what i did tonight, after reading more comments (Thanks to all!)
Turned off everything under Assign.
Initialized again. checked everything under Assign screen. all turned off.
Formatted SD card, which still had the firmware update on it.
No matter which track I assign an input to, only fader 5 outputs the sound.
Monitor knob has no effect.
Neither does stereo fader.
Both at lowest, and still track 5 fader will output whatever input I use.
In fact, no matter where I turn knob or raise/lower fader, neither has any effect on output.
Only track 5 does. But I assigned tracks 1/2 to faders 1/2 this time.
Still , track 5 will output sound and only fader can adjust level of output. Stereo fader can't, nor monitor knob.
Hope this never happens to any one elses unit.
With any product, a lemon can come out of the factory.
Been lucky for many decades.
Not so this time.
My TASCAM 565 (4 track MiniDisc recorder) worked fine, as did the 488(?) cassette recorder.
Thanks to all who tried to help.
will try tomorrow, and if still issues then will give up on this one.
ANAYV

How I hoped it was me.
But this is not a hard unit to track and record with. Very basic , actually.
Roland is way more complicated, depending on what one wants to do.
things like automation (3 types), backup, and other functions a bit hard at first.
Here's what i did tonight, after reading more comments (Thanks to all!)
Turned off everything under Assign.
Initialized again. checked everything under Assign screen. all turned off.
Formatted SD card, which still had the firmware update on it.
No matter which track I assign an input to, only fader 5 outputs the sound.
Monitor knob has no effect.
Neither does stereo fader.
Both at lowest, and still track 5 fader will output whatever input I use.
In fact, no matter where I turn knob or raise/lower fader, neither has any effect on output.
Only track 5 does. But I assigned tracks 1/2 to faders 1/2 this time.
Still , track 5 will output sound and only fader can adjust level of output. Stereo fader can't, nor monitor knob.
Hope this never happens to any one elses unit.
With any product, a lemon can come out of the factory.
Been lucky for many decades.
Not so this time.
My TASCAM 565 (4 track MiniDisc recorder) worked fine, as did the 488(?) cassette recorder.
Thanks to all who tried to help.
will try tomorrow, and if still issues then will give up on this one.
ANAYV