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Hi - 

Thank you for the prompt and clear reply - 

Just want to clarify one last item : I read online about the form 5392 - and I see confusing references online that it should be filed even if there are no taxes due . This form was/is not generated in either return (2019 or 2020)  for my spouse's excess removal - I wanted to confirm that this is ok? I am assuming since I had losses, there is no need to provide this form either.

 

Thanks.