We continue to find makeshift ways of doing what needs to be done.  But it is time consuming.  We drive to a client's site when it shouldn't be necessary.  We download .csv files or get our clients to email them to us.  Sometimes we send bank statements to third party software to have them converted to .csv.  As far as expecting anything timely from Intuit or Scotiabank, we have pretty much given up.  We make do somehow.  It is discouraging and frustrating.  I am in the process of switching 2 desktop customers to QBO but fortunately they are both BMO customers.