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Buy nowsKaplan, When you hit close and bypass changing the password, it does let you into the vault. But, at least on my computer, it won't use the saved password for each client QB file.
The speed of updating client files depends on how many QB files are in that clients QB folder. It is normally very fast if there is only one or two QB file in the client's QB folder. If you have old version of their QB file that you probably are not going to access, the workaround is to move them into a subfolder so the update doesn't attempt to open those files.