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I didn't do either of those things. I completed everything. It told me that federal had to be mailed because it was all zeroes and because it had to be mailed, the state did as well. I am owed a refund thru the state. I paid the turbotax fee and was able to print my federal just fine, but the state still has the watermark saying efile only, do not mail. When I spoke to someone at turbotax.com today, they said I did everything correctly, and that MD forms had not yet been approved. But when I called the state of MD, they said that is wrong.