I appreciate all the replies from Intuit "agents" all of them telling me to contact tech support.  I've done that several times and wasted too many hours on the phone watching them point to my screen and try this, then try that.  It never crashes or shuts down when they are trying to get to the problem.  I honestly think i know more that some of the agents i spoke with.  One was actually reading from a manual, then telling me to try this.... oh well, guess I will have to put up with it, until they find a "fix" for this very flawed program.  The worst version yet.