Thanks. I have free software access via a financial institution. I'll work out the differences then decide. The cd was the main thing keeping my loyalty for over 15 years. Cutting the cd has stopped me procrastinating about evaluating other options.
Also it felt odd picking up a box in a store where the product was a download. At least I got a walk out of it.
Finally, since there is no CD I expect a discount, not a $10 penalty to get a CD.
