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I know you said you don't have the $$$ to go to an expert, but this is one thing we would have done if we weren't already. This stuff CAN get/be sticky.....and FWIW, we had H&R Block do ours (as they have for yrs).....and we got our full refund pretty quickly. (As in within a month's time.)
Having to go back that many years, I think going to someone who's in the business would be wise if you can swing it at all....
Sincerely,
Linny