So this sounds insane - I was downgrading from Enterprise desktop to quickbooks online pro because I simply can't afford those annual fees anymore. Now I am seeing that if I do that - NONE of my files will be backed up?????  That's insane - can someone explain this to me!!!!  None of the "apps" actually make a copy like we get in the desktop version. I really feel like my back is against the wall in terms of pricing here and can't image spending a few years in the pro online version only to lose it all because there are no backups.  I'm hoping someone can explain this to me - if that's true, its absolutely CRAZY!  TY