Thank you for your response. I will assume this was my problem. And to dmertz, yes, all demographic data was entered first. (Wish the TT help desk could have articulated this.) Although the TT refund display was disconcerting, this pushed me to read the IRS' 1040 instructions for line 5a and 5b so I now know the correct location for my 1099-R income. Thanks again!
