Nope, nobody is 13 or over.  All the kids are age 2 to 5, with the 5's being twins.  I tried all different combinations swapping youngest, oldest and splitting the twins with no success.  No matter who is listed first, that's the one the reject code points to.  Hopefully, whatever solved the person's problem last year via phone will work for me tomorrow.  As you can imagine, this is a pretty big refund for this Mom even given the advance credit payments.  You hate to hold it up, especially after they've gone home and thought it was all done.

Thanks for the idea though.