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Thank you!

 

What I think I now understand is that I can PREPARE both the federal and New York State 2020 tax returns with ANY desktop version of TT Deluxe.  But if I want to efile in any state EXCEPT New York, I would have to also pay for the state efile.  I can efile New York without paying the extra efile fee.

 

Hope I got it now.

 

Thanks for your help!