Thanks for your response but I’ve been usually QBDT (as you refer to the desktop software) for more than 30 years, maybe even closer to 40 years.  Since it started. QBs has NEVER incorporated any suggestions for upgrades that I’ve put forward, the Banking section is still in the same horrible shape it was in from the beginning and I’m still researching the links you’ve provided to see what changes Intuit could have possibly made which could possibly justify a 60% increase in their pricing!