This has been an interesting and valuable conversation. I started out with FTN 3 and got along fine, upgrading as needed with no problems until I hit 9 with nothing but. It left behind a lot of information. After eventualy sorting out and getting it all back together, when I needed an upgrade I got talked into Version 16. For me that is the end of FTM. There were many suggestions from the supplier which did not work, I use my 'notes' section extensively and most of that was left behind abd had to be replaced as I caught up with the missing notes. As soon as I have time I am turning over to another program. I am keeping the comments made here for future reference. Thanks. Freda Stewart-Calgary, Alberta