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>The information in this program says that we are only
>allowed a portion of our contribution to the Roth and >applies a small
>"fine" related to the excess contribution. If we pay >this fine with out
>income tax as the program implies, does this mean >that we can leave the
>contribution in our Roth account?

No, this means that if you do not remove or recharacterize the excess contribution as a nondeductible contribution to a traditional IRA by April 16, 2001, you will pay the fine AND the money will be kicked out of your Roth IRA and back to you once it is determined that you put in too much.

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