KVM configured, but not available issue

New to Proxmox but I've read every post on this issue I can find here and only have a few clues

Baremetal system:
Gigabyte B550m with Ryzen 9 5900x 32gb ram 1tb nvme x 2

SVM -is- enabled
IOMMU was on Auto but I switched it to Enabled

New Install of 8.4.1 with all default settings (I think)

All VMs create fine but fail on start with the TASK ERROR: KVM virtualisation configured, but not available.

VMs work when KVM hardware Virt is disabled but performance is a dog (as is apparently...

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