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Sorry - yes I paid it back in 2020.  Even though I paid more than 1/3 back in 2020, I don;t want to spread it across 3 years, I want to pay the tax on the net of my withdrawal ($22,773) and the payback in 2020 of $15,000, which should be $7,723.  But when I put that all in and DONT check the box for spreading it three years, the amount on Line 5b is $13,331.  It should be $7,723.  I think there is something wrong in the calculations or am I missing something?