@dd4vols "be hard for the software to 'know' you didn't mean to check IRA."
Is it ever possible to have the "D" code, which means "non-qualified annuity", with an IRA?
Or possible, but highly unlikely?
The question is how many dumb mistakes should the software protect us from. "If D but IRA then ask" is not difficult to program, but it's probably not needed for more than one out of 10,000 users.