@PRDL
ADDENDUM to my comment above
If you do the maneuver above, and it does reset everything in regard to Premium Services and "pay out of refund", but if it's still showing standalone Audit Defense when you go to check out, then try this, just in case you clicked on standalone Audit Defense previously in error. The choice of standalone Audit Defense is actually offered under the REVIEW tab in this manner. You may wish to check this regardless.
Go to the REVIEW tab, select the subtab "Audit Protection", navigate past the Audit Risk meter, and then scroll way down on the Audit Defense screen and decline Audit Defense. I believe the button says "NO THANKS."
