Mesquitebean, Thanks for your reply. In the Review tab, after the Audit Risk color bar screen the next screen says "don't take the risk [of an audit]" so there's an offer to buy Audit Defense. I can click "no thanks" to refuse the offer. There are several more review screens including one where there's another button saying "Add Audit Defense" even though I just declined it. To me clicking any button which clearly says "Add" seems like an "opt-in" button, not an "opt-out" button. But since you said it might just be another offer to buy Audit Defense I decided to click on "Add Audit Defense" to see what happened. The screen changes and there is a second chance to "remove" Audit Defense, so that's what I did. Then I could proceed to e-file. So your guess was right that it was just another offer to purchase Audit Defense. However, IMO users shouldn't have to decline Audit Defense TWICE in order to proceed. I've used TT for several years; this is the first year I had to decline Audit Defense TWICE. Clearly a money making scheme. It would be helpful if there was some statement or phrase so users know they can change their mind or decline Audit Defense again. BTW, I paid to e-file my state return using a credit card. Thanks.
