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After talking with TT, we realize that the error for MY distribution is that I am age 62 and my husband - who is entered first in TT - is age 56.  What is happening is that even though I say the 1099R is "mine", TT is acting as if it is for my husband and trying to add a 10% early withdrawal.  But since it's mine, it should not be.  TT is looking into this.