Hi, thanks for your perspective on this! I’m a “freshly minted minnow” so any tips are appreciated. I have had one problem so far...the iOS app is very slow. I left a comment on a rather lengthy post about a budget proposal system and found that my app froze and it didn’t get sent. Not really your problem, but maybe you could direct me to a place or person to whom I could address this concern? Anyway, thanks again for the tip!