Ok thanks. That's what I'll do. I tend to make things harder than I need to. I wanted this confirmed. In your opinion should I even ask about the comingling or transfer of funds? Also, no matter what, the spouse if married HAS to report the spouse's name and TP ID, correct? They did not do that last year. Also, if I do it the way you suggest, do they have to follow the itemized versus standard deduction rules and do it the same way? Or does that not apply also? thanks so much for your help.