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Tom...thanks for your response.  The concern is that I did enter in the quarterly State payments in the fields when I was doing the Federal side of the return....TurboTax asked for both Fed and State estimated payments made, and I entered them.  I worry there is a "bug" in the program...that the carried-forward refund is overlaying my hand-entered information, rather than adding to it.  I tried entering in larger quarterly payments, but it didn't effect the running total of "Tax Owed" on the State side.