@dd4vols "be hard for the software to 'know' you didn't mean to check IRA."

Is it ever possible to have the "D" code, which means "non-qualified annuity", with an IRA?

Or possible, but highly unlikely?

The question is how many dumb mistakes should the software protect us from.  "If D but IRA then ask" is not difficult to program, but it's probably not needed for more than one out of 10,000 users.