First and foremost, I can't thank you enough for the time and effort you have put into helping me with this.
I think the last line of your last response is the whole reason I am stressing over this. I don't want any IRS issues.
I have another call in to fidelity and should hear back by tuesday. I will keep you up to date with any changes. I am starting to lean toward this being an offset and the lack of L in box 7 eases my apprehensions some, the addition of M would ease them completely.
More to come later
