I FIGURED IT OUT!   I had my sample file guy marked as deceased...no 3 year spread when youre dead!!

I didnt notice this at the office yesterday, but when I saw people over in the PS Facebook group complain, I checked my home system and that box on the 8915E below box 5 to opt out of the 3 year spread seems to be getting automatically checked and taxing the entire amount.  I updated and still the same.

Work Around seems to be you can Right click on the boIx, Override, then you can delete the X in the checkbox and magically it takes away the override error.