@BobKamman On my first return without aptc payback, i generated an 8962 by using 'if any data' so that the form would be included with the filing copy-just for reporting purposes-CYA-this is the return i was referring to--however since then, filed a couple without force printing the 8962 and they have been accepted-so it confirms the fact that 8962 should NOT be included with filing copy.  Am now just waiting for my first return to be rejected so I can remove the 'forced' 8962 and re-send