Wow, this clarifies everything!
For 2, I meant line 5d, not line 7 (since line 7 is already capped by 10,000 as long as line 6 is empty, as you mentioned). And that's my case.
I think my confusion was due to significant amount in line 10 Interest You Paid , which increased line 17 so that it's more than 10,000.
Anyway, thanks a lot! 🙂
