Thanks for the reply JAFO,

I did look at both the threads you mentioned and it seems like recharacterizing the 99 contribution as a regular IRA would be a good idea.
The Roth is at TDWaterhouse, they had no idea how to figure the tax due, (because I would still like to keep the 98 portion in the Roth) wouldn't they still need to calculate the 99 portion to recharacterize?
Anyway I getting a recharacterize from TDWaterhouse and I guess it will be up to them to figure it out now.

Thanks again
Jeffdfool