Thank you - I am far too busy to type a letter when it is in my software and should have been part of the update.. I edited the standard letter and took out all paragraph reference to PTC and the Affordable Care Act except the paragraph about receiving a refund if the PTC was too low. My original comment was frustration to no communication from Intuit that this might be a problem. Apparently not a problem for all, but it was for me as I like a professional presentation. For the Intuit lovers, I appreciate how difficult it has been for them this year as we.. - all we are asking for is better communication.