Nope you're not missing anything, Quickbooks cant do its basic job of book keeping :P hey lets download a csv file from our bank oops... quickbook denied.. :') oh how about converting it to a QBO file.. how do we do that.. erm.. erm.. download some other third party app I suppose.. because Quickbooks denied :') Should be called Slowbooks.. and maybe miss out the books part.. because it doesn't even book anything seamlessly with anything... :D