Thank you!  I finally got a callback from QB re: billing issues and they explained that ALL that I listed are subscription-based services (all-inclusive with the subscription), and QB Desktop is subscription-based now (not just software), and the big hike we saw in our bill was the cost of having more than one user, which we don't really need.  My husband is the boss, the company runs from our home, and we both live under the same roof. We cut back to one user and are being refunded on our credit card.  So we're going from $749.00 down to $549.00---same thing we paid last year for our subscription renewal.  

I also inquired why we never got a pre-emptive email notice about the upcoming renewal charge to our credit card.  Both departments I spoke with on that acted apologetic but had no idea why one wasn't sent.  I searched all my old mail, spam, and trash and there was none sent.  People like to know when a charge is going on their card before it happens.  I don't have every subscription date in my life committed to memory to expect.  So yea....a notice would be the professional thing to do.  

And as far as communication goes, I'm really on top of email, and I don't recall getting any notice re: the changes to QB Desktop going subscription-based and what all would be included with that, and why this has been a big mystery to me.  How did I miss that?  :::head-scratch:::