FWIW, we're in complete agreement. I stand by mt original statement that these things are nearly impossible for a layperson to be competent in. It's hard enough for people who do it every day for a living. An equivalent would be non-techies saying "I'm not going to pay a software engineer. Just tell the computer what you want it to do!" And that might sound reasonable to other non-techies, while you and I roll our eyes and laugh. I'm sure CPAs and tax attorneys and the like think the same when they hear engineers talk about filing their own non-trivial taxes.