A. 2019 not filed = not part of the consideration, then.

B. 2018 Owed, means also not part of the consideration then, for Direct Deposit. It means the mailing address is used, as is the status (filing jointly, # of dependents).

C. SS direct deposit, if not a Filer, would be used for direct deposit.

In that order.

I understand the same issues will apply regarding how much you get, and there is no immediate follow up, but the 2020 tax year filings is where we will handle reconciliation issues.