well....i'm dense I guess.   on the 8915E part 1 (where it says check this box if Coronavirus)...it says it is auto calculated...but mine is blank...and conversely, the 8915E doesn't print with return.  the 5329 has code 12 on line 2, and the amount as not being subject to the 10% penalty, but there must be some step i'm ignoring.....??

and then, when i think i may have it figured out, it only brings 1/3 down to the taxable amount...and they want to pay all the tax now....it's only a $6,000 distributiion