Yes, thank you. I saw it on the irs.gov site.

- - - Updated - - -

Thank you. You are giving me the confidence that uping the contribution is the thing to do.

- - - Updated - - -

Great point on holding out for insurance deductions and taxes for the Roth. I am not sure I follow the Tax Saver's Credit info, but it sure sounds good. I want to learn about that. Possibly google "Tax Saver's Credit" and will see what shows up.