Another note, Linda. I wouldn't worry too much ahead unnecessarily. Answer
the letter, as I suggested - and hopefully that will be all there is to it.
Enough time to worry later if they don't accept the basic explanation.
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________________________________________
Jean $�ott - http://www.FrugalGambler.biz
Tax time is coming up - groan! "Tax Help
for the Frugal Gambler" can answer many
of your questions!