Awww, the credit should go totally to SuperUser
@SteamTrain! Thanks, buddy, for explaining in full for this user. I hastily partially answered the question before leaving home today.
@roger610, so glad my peer was able to help so well!
*** I am NOT a tax expert. I am a seasoned TurboTax user, and volunteer to provide assistance to TT users. Nothing I post is to be considered TAX ADVICE; I bear no legal liability for responses.***
