The subscription version of Quicken is unusable because of the nag screen when it expires. You call it ranting, I call it telling others to be smart with their money. I bought it because it was on sale, had a rebate, and I had a coupon at Staples that made it cheaper than Deluxe. I'll just make sure that when my 2017 stops downloading that I'll be in a position to just use Quicken manually for my low volume accounts and a qif backdoor import for my one remaining high volume account. Besides that, I'm not going to build a spread sheet.