Thank you, but this actually doesn't even address anything about the issues I stated, and kind of goes back to the complaint many have expressed here that "basic explanations" and links to "bill pay 101" are NOT needed. QuickBooks does so many things so well, and has other quality integrated apps; Melio is just not one of them. With all due respect, Intuit needs to do better here and reconsider the relationship with Melio or take ownership and address these issues head on.