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Oh, now I see!   Thank you all for your kind assistance.   I think what threw me off was the fact that line 24 on the QD and CG worksheet turned out to be exactly what turned out to be on line 24 of my 1040... so instead of doing more fact checking, I jumped to the conclusion that TurboTax used line 24 of the QD and CG worksheet instead of line 25!.  So.... my humble apologies to all and thanks again for your help!  Have a blessed day!