Thank you dmertz. I appreciate your guidance. Final question if I may: regarding the idea of not producing investment losses while the $6k contribution sits in the traditional IRA, is that relevant only for this first year (the year of the reverse rollover of traditional IRA to my employer's 401k)--or should one avoid investment losses in every future year's contribution as well? That is, for future years, is there a problem if the amount converted to Roth is less than the $6k non-deductible contribution due to investment losses? Thanks so much.