@Carl Thanks, that method sounds like I first read things a few months ago (maybe those were even your posts I read at that time). I later read about casualties and started down a more confusing path. Actually, the events took place this past July and I'm using TTax 21 as a "what if" condition so that I can make sure I don't have a huge underpayment (cap gain w/ recapture) and incur a penalty.
