npm install issue -

[HazardJ]

I'm a lawyer (!) exploring Fluid. I have lots of experience with git and VSCode, and some experience with command line and all that but ...
When I do the install, I hit a problem, or series of problems that look similar. Like this:

ERROR in ./node_modules/@fluidframework/container-loader/lib/utils.js 5:0-28
Module not found: Error: Can't resolve 'url' in '/Users/jgh/Documents/GitHub/fluid/FluidHelloWorld/node_modules/@fluidframework/container-loader/lib'

BREAKING CHANGE: webpack < 5 used to include polyfills for node.js core modules by default.
This is no longer the case. Verify if you need this module and configure a polyfill for it.

It is very likely that I had very old installs of npm and related. Might that be the problem?
I couldn't figure out what is the next step in debugging.

Thanks, Jim

ps: GitHub.com/CommonAccord/