I just did my taxes at TaxCut website.

I owed $2389 before my hybrid tax credit, which I then used to reduce my tax liability to ZERO.

Not BELOW zero.

I lost $211 of the credit, which is NOT REFUNDABLE to me.

That's what I warned people about in September - If you are going to OWE taxes at the end of the year, make sure the amount you are going to OWE is MORE than your hybrid tax credit so that you do not lose some of it.

I almost hit it perfect by reducing my withholding in September. Had I waited longer I would have lost more of it.