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@ColeenD3 Thanks for answering!  At least that's comforting.  I also noticed that "maybe" because I checked "Taxable amount not determined" in the Forms section, the "Federal Amount" owed at the top didn't shoot through the roof (that's what happened when I tried it yesterday).  What do you think about that???  I know my 94 year old mom would've have a "cow"!!!  Right now it's still showing a "Federal Refund".  It didn't change.  Thanks for being a great support!!  It's nice to know y'all have our "back"!!!  I hope your comments can help someone else.  It's a wealth of info here because of people like you!!! THANK YOU!!