This group has been SO helpful to me over the years. ;)
But I knew I was pushing it with a OT post of this nature. I was very pleasantly surprised.
Thanks to everyone. Very good comments IMHO.
BTW: It's in a moderate risk no-load fund appropriate for my age with a low ER. The 403B is in a similar fund. I'll sleep well tonight. Now I can file and get $80 bucks. Casino here I come! ;)