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Critter-3,  Thanks again for your response.  I understand how it is, now.  But, ....  There are many customers who are frustrated with this software model.  We are also frustrated with the high cost of the OnLine version - at least double the cost of the Desktop version.  And, we are frustrated with the poor product support via the Support Assistant phone line [phone number removed]).  How do we get these issues addressed by the Intuit senior management?