Thanks for the reply.  I have 2020 desktop Premier.  If I were to upgrade, which version should I upgrade to?  Since the 2024 version is going to be discontinued, I do not want to pay $950 to get into a dead-end.  I do not want to go online since I do not trust the security.  It seems I am out of options.

Out of the discontinued services, I need the transaction download feature.  Right now even if I download the qbo files from my bank's website, I cannot open it in Quickbooks.  I do not see a reason to block a feature like this.  Any suggestions?