there is a lot of misinformation on these Boards. The only expert on these boards is Turbo Tax - that is why you buy their product (for their expertise among other things)
Why would you buy Turbo Tax if you thought it was wrong? That is why they have the guarentee - as long as you input the documents corrects and follow their instructions, they will compensate you against any penalties levied. If you don't follow their instructions, they will not pay.
