After you file

@TopherLee2020 - that exact thought crossed my mind, but then I reasoned that perhaps the IRS allows this modification to facilitate electronic filing by intermediaries like SBTPG with no legal exposure. But I’m no lawyer, so who knows. If you’re right (which I hope!), I wonder how the refund gets to SBTPG first. 

All we need is for someone from TurboTax to clarify the process a little.