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Amazing! You were right! In fact, all I had to do was delete all three 1099-Qs and TT automatically recalculated and the total AOTC is now $7500, fully capturing the other $388 refund amount.

So is it safe to just move on with what TT did here or should I dig into the numbers and verify? I still can't really see the background calculations at this top-level view.