MacBook Pro M5 with Tahoe 26.1 Doesn't allow FileVault enable

After initial setup last week of New MacBook Pro with M5 and Tahoe - went to File_Vault and it was not enabled (I thought Default was enable). I clicked on enable button, it asked for administrator info then button turned blue for about 2 seconds then back to gray. I was running 26.0 - next day updated to 26.0.1 and tried again - went blue for 2 seconds then back to gray. Yesterday I got notice that 26.1 was available and updated - still can't get FileVault to enable - any actions I can take to allow enable - do I have to set-up the M5 fresh again from my external hard drive ?