SOLVED. IRS mistake. I confirmed all my inputs and my return entries. Read Pub & Form Instructions for proof. I typed up a reply package to the CP2000, but then I called IRS to confirm my data at 7AM Friday (immediate pickup!!!) The rep agreed with my explanation and dug deep. She said that following a previous IRS error on this same return (missed "QCD" on my IRA amount) a human reviewed the return and coded my hurricane casualty deduction as a "Gambling Debt." (?) Sadly, the CP2000 provided no useful info about the issue. It just said my taxable income was higher. The rep agreed to fix this problem and said I would get a confirmation letter in a month. So standard deduction plus disaster casualty loss is O.K. added together. TTax got it right again. I'm now 2 for 2 for 2022.
Thank you for the replies and guidance. I appreciate the support.
