qbteachmt,    Sorry, I did not mention SW version.  I am working on this in parallel with an accountant,  I have an accountant who is a junior account (a friend with less experience).  But, I have my own "Turbo Tax Premier" version  to compare with her work then she found this problem found this  issue during data entry but no solution. (I don't know the version she is using.)   😞   Instead, she asks me to find answer myself.   So far, all answers I got is "typical rollover" but my accountant doesn't know how to answer.