The inherited traditional IRA is at a separate brokerage. I compared all the forms from this year with last year and found that the difference was this time when it asked "what is the total value of all your traditional IRA's at the end of (the tax year)" last year I put 0. This year I included the inherited IRA. That seems to have been the problem.
However, now I wonder if I was doing it right before? It appears the question about "total value" gets asked in two separate places. I wonder if in one place the correct answer was "0" (because it was not involved with the Roth conversion) and in the other place I should NOT be putting in zero.
I guess time to experiment. I will report back what happens!
