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Hi all, could use some expert help with Form 8880 Credit for Qualified Retirement Savings Contribution. The question is: Given the facts below, are the filers eligible for the tax credit of $73?

Married filing jointly; both over 50 yr old, both retired.
Spouse worked part-time and earned $732.
Spouse not covered by a retirement plan
Spouse made $732 contribution to her non-spousal Traditional IRA.
Spouse is not a student.
Taxpayer received Civil Service Retirement System annuity greater than $732 in 2002.
No distributions from any other retirement plan (IRA's).
AGI (Form 1040 line 36 is greater than $32500 and less than $50000.

The way I read it, the Taxpayers annuity amount goes in both columns which would negate the credit. Only hope is if the CSRS annuity is NOT a “Qualified retirement plans (as defined in section 4974(c)).” (every little $ back greatly appreciated).

BTW, I'm using 3 tax software programs: TurboTax for the Web and TaxSlayer (both free for me) say NO to credit. TaxCut 2002 Deluxe (store bought) says YES to credit. I'm liken TaxCut!

TIA
George
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