Thanks for your time. The 'you sure ask a lot of questions' is a bit caustic since I thought this forum was for that. Every time I ask something on here I get scolded somehow or just plain insulted. What is the forum for? What am I missing? Can we be kind to one another? I just talked to my final CPA (talked to 4 of them) who agrees with my handling and your opinion so I'll file and be done. I am new, uncertain, and come from a firm of CPAs who were extremely thorough and high billers. I think these questions are perfectly normal. And again, thanks for your time. You did provide a bit of guidance and I appreciate it.