Retirement tax questions

avian99, yes I have my refund deposited in my account.  I was just saying that unless they do some sort of check later, I am done.  But I am reading the 1040 instructions as they are written and not taking the 1040 as a spreadsheet, but a way of reporting.  1040 instructions clearly state several reasons why line 4a does not include certain distributions.  In my case 4a was less than 4b and it processed fine.  4b is what taxes are calculated on, so unless someone finds something wrong with 4b I am not going to worry about 4a anymore.