@Jim-from-Ohio   I think you got it! 

I was reticent to make an entry on IRA worksheet line 1 because it's supposed to be a non-deductible IRA contribution. But, (Intuit be praised) it does create an 8606.... and tax is generated on 1/2 the contribution,.as it should be.  I guess there will be am 8606 in her future forever..

Thanks