F2O -- version that can also handle Fidelity 401k better

[Cal Learner]

If you have a Fidelity 401k, I can put up the version that has added special consideration for 401k.

That combined code will probably be the code for all soon, but it would be good if an additional person might want to try this sooner.

It is what I am using, though I have no 401k.