Civil Analysis for Terrain from Point Cloud

For someone who has success with point cloud data-

I have downloaded some lidar from the national map and converted an LAZ file to a terrain. (Filtering out all but the existing ground layer and knocking down the intensity to make the terrain model that is 150 mb).

I can do a dynamic contour analysis in SS10 with the dtm tools > elevation tool.  Analyzing contours works fine with minor lag.

In ORD I have exported the terrain to both a .tin, and a land .xml, then reimported and tried to use the Civil analysis tool on the terrain to do a dynamic contour analysis.  I can get the triangle, the flow arrow, and the slope, but no contours.  I checked the tool setting and the contour selection is selected.  I tried a variety of combinations of the selection criteria under civil analysis, new .dgn, different workspace, clipping then exporting and reimporting a 30 mb clip of the terrain - still not working.  I can get contours from simple terrains from elements - but i want to use it on these lidar surfaces.

Has anyone else had this issue?  Is this a glitch, or am I missing something?