Linny - thanks for responding. Your scenario is exactly what I was understanding to be true. A credit is a credit, NOT a refund. I feel sorry for all those people who are being mislead into thinking that they are going to get a monetary refund.
That would be great if it worked that way, but come on... is anything with the IRS that easy? Do they ever just give you money for nothing? In a perfect world we'd get a tax refund bonus for adopting a child or children, but I'll be long gone before that ever happens.
Renee