Greetings, Why is it that the past 2 years I have been able to file a Schedule D form with Deluxe, but this year I'm being asked to upgrade to Premium?

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Did you use the Desktop CD/Download program before? All the Desktop programs have the same forms. You just get more help and guidance in the higher versions. But in the Online versions you need Premier, Premium or the Self Employed version to fill out Schedule D. Been that way for over 10 years.