Retirement tax questions

Dmertz:  THANK YOU VERY MUCH!  really appreciate your additional clarification and confirmation.  Awesome.  I hope someone from Turbotax reads your reply and this thread as i think they can reduce this confusion by not requiring us to click and seek the info as you presented, but to provide a bit of warning/clarification in the entry field screen.  thanks again - your comment is perfect and will let me sleep better.