Bob,

Thank you for your input. When the question popped up, I said "yes" and then wanted to go back and change that. I couldn't find a way to do that, and the program was only allowing $77 as a credit on Schedule 3. It was carrying the rest to future years.

I finally decided to just start the return over from scratch and answered "no" when that question popped up a second time. It is now allowing about $550 credit and I am getting no errors.

Your explanation makes sense with the numbers I am seeing. Thank you.