Had an answer but the site timed me out and I lost all that I typed.
First try, The Shaded Relief folder only. Got contours but no color. A yellowish color for everything.
Next try, The Shaded Relief folder and the large.at5 and at5.xml files. That attempt showed the contours and a yellowish background for all, land and lake as well. I used a AT5 palette of light green to dark green. (Shaded relief was checked on the HDS) And I used a preset with a raster choice on the edit panel. The 'preset style' was "AT5 Map with Colour Band Shaded Relief". The map style as recommended in the RM read me.
The map is working now. (Part ways any how.)
I regenerated a map. This time with an RGB palette of white and light blues (which I prefer). In this latest attempt, --- contours are showing with a white and light blues background on the map was made using the "AT5 Map with Flat Raster Background" but in a Vector mode. Zoomed out, half the lake has the correct color, and the other half that yellowish color I mentioned.
All the contour lines show perfectly and look even better on the HDS than on the RM program! Maybe its just a matter of trying different combinations until you get one that works on your particular unit?? Going to try it on my other HDS.
Here is what the map currently looks like.