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Thanks for your answer.  I don't mind completing the 1040X forms by hand.  Just for clarity, I cannot choose which years (of the previous 5) to apply the NOL, correct?  For a 2019 NOL carryback, I need to complete a 1040X for year 2014, then 2015, etc. until/unless the NOL is used up.  Is that correct?  I can't start with 2017 as my largest earnings year, right?  And, would I complete a 1040X for 2019 as well to indicate that the NOL was carried back?  As a last question, I am under the impression that a taxpayer has only 3 years to file an amended tax return.  Did the CARES Act waive that time limit for this scenario? Thanks so much!