"You will first need to convert the QFX file into .qbo file to import the transactions into the desktop version."
Ok, I'll bite: How? How does one convert the QFX file into a .qbo file? What is the workaround? You never say. You only say how to download a QBO file...but we already know how to do that. What we don't know is how to convert a QBX file into a QBO file.
