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There is a BUG (?) in the software.  One of 2020 beneficiaries did not receive a distribution in 2021 so I left the distribution amount blank.  The software did not know how to treat a blank i.e. null amount and posted last year (?) or some unknown (?) percentage for the 2021 distribution for this beneficiary this caused more than 100% for the total distribution and cause the error.  When I entered $0.0 the program work OK.