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Thanks, Tagteam.  It was the Distributions Interview question.  My wonderful wife said "None" or No, when it should've been "Yes" and 100% goes solely to me, as its my trust and I'm the sole benificiary.

 

That said, once we fixed that, the software created a new batch of headaches, including a very buggy eFile security question page that would've stumped the President of the Mensa Club.

 

I will post seperately about that.

 

I also edited out my OP, and removed all references to this being a bug. As Pogo once said, "We have found the enemy, and he is us."