. . . "If he is the case, then I fully understand...XY is only the 3rd app that I have actually bought/paid in all my years of using this sys...the other two are tax prep software (the free vers do not do state tax returns) and an OCR app that I needed for business...I think the existing prices are a great deal and thus, if you love XY, get it now and defer another purchase until later maybe?" . .