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Other questions
The "shade alternate rows" function is only found in Desktop Enterprise.
You are incorrect regarding this comment: "You can import customized templates from MS Word into QuickBooks Desktop"
The desktop templates are a proprietary filetype .des = Designer files. I believe only Adobe Pro also works with that filetype, in addition to QB desktop. In QB desktop, you work with DES files you can find and import or take a few minutes to create a template from scratch or copy one that exists and save it as a new name, then modify it.