JessT - what you have recommended and suggesting is EXACTLY what desktop users DO NOT WANT. I wish the intuit board at qbooks would read these comments regarding QB Online and the subscription based format for desktop. I hope their sales fall so far below projections that they FINALLY read and take a look at WHY because they have not listened to us, the USERS, objecting to this change for over a year. How can you promote a product that is so visibly awful that you are basically lying to your customers? Stop being so cheerful when telling users they now must cough up $550 a year for THEIR data when that wasn't the case!