I understand that my version is old but for what I use the program for it was perfect. I don't want to take credit card payments and I don't want to link my bank account. I would just love an answer to why one company can send emails and another can't??? They are both companies on the same 2019 version??? I did try the online version and I hated it so I am not interested in that platform. I guess I will have to upgrade and then go through this again in a couple of years when it becomes obsolete again.