I am since 1996 Users of Quicken. In the years I have bought almost a year in each case the latest version of Quicken. Since the "anniversary" version of Quicken (2012) of the financial calendar has been removed without any notice from the program. The data stored there and tended over the years are useless, the function simply no longer exists. Quicken also includes an area where you can store the receiver for data transfers. Unfortunately Lexware has no update provided to convert the data previously stored on IBAN and BIC to continue to use the transfer function in the SEPA format with the stored addresses. When I returned, the newly acquired version within the 4-week trial period at Lexware (directly to the Haufe Service Center), my purchase price refund was denied. The returned disk I have not zurückerhlaten. My conclusion as a longtime Quicken users: Product: deficient Business manner: insufficient