prtaylor56, sorry I mistyped that sentence and meant to say there are several reason why 4a would include gross distributions. Also yes my only question now is will I get an IRS letter in 6 months about 4a, but I really doubt it. avian99, that example show someone with all accounts being fully taxable and actually having line 4a empty. The are saying that the IRS then throws away line 4b and gives them a refund? That sounds odd to me that the IRS would make that type of change , but there is a lot of automation these days, so maybe so. If that’s so, then there is still something that will have to be resolved with tax prep software and IRS instructions and IRS review software. Apparently if there is at least some amount in 4a then things will process correctly, at least for now. I did not received any extra refund, it was exactly as expected.
