Thank you--I think that's it. The carryover occurred to me at the last minute... looks like I'll be doing that for a few years! I misunderstood and thought that the carryover came into play in a different way, offsetting income first and affecting the tax until it was zero (if there was enough), and then I carried over. Guess I had that really, really, wrong! Not surprising, as this is the first time I've dealt with this situation.
