Outlook 2013 fails when clicking 'send'... "Microsoft Outlook has stopped working"

I've been using Outlook since it was created....  I'm very familiar with settings, accounts, etc.

I can run the 'test settings' and send/receive a test email...

but..

If I do the following:

* Start Outlook

* Click "new email"

* Type a "To"...  Enter a subject.... enter a body...

* Click "Send"

I get a message saying "Microsoft Outlook has stopped working"

it doesn't send the message... and then restarts Outlook

If I debug the exception (in visual studio), I get this:

Unhandled exception at 0x6D597CA5 (MSO.DLL) in OUTLOOK.EXE: 0xC0000602:  A fail fast exception occurred. Exception handlers will not be invoked and the process will be terminated immediately.