My program simply transfers the loss (Hurricane Ian - after 10% deduction) from 4684 to Sched A.  Sched A then simply adds it to the other itemized items (which are LESS than the Standard Deduction).  The Sched A total is then transferred to 1040.  There is no option to force Sched A to use the Standard Deduction.  Is this a program defect?  Or, am I missing something?