My thoughts exactly, Chex. My NaD, signature card demand and non-endorsement on all deposited instruments seem to make my demand clear enough for any presumptive refutation.
That 1041 form is interesting, I've not seen one before, thanks. The "Trust thing" is still well outside my understanding at this time. My current plan is to file for a return of my withholding from June of 2013, when I started redeeming, then continue to redeem all of this year's checks and then present my 2014 return to the payroll department, assuming all goes well with my returns, of course, and show that IRS agreed I have no tax liability, therefore I am now exempt from withholding.
Thanks for your thoughts.