I get all of what you're saying, and cannot disagree. I don't have the time or patience to download, install, and enter the info into all 3 programs. Actually, we use a lady that's been doing taxes for my wife's family for years. She charges about what it would gost for the software, we make a visit to her and visit while she enters it all into her program, enter our bank account info, and in a week or 2 see the money show up in the bank. I thought about getting into the tax prep racket, but there are just way too many tax laws to worry about, and record keeping, etc... A former co-worker always does them for friends and family, uses turbo tax, but just prints them out to be mailed. I think he does it free, or people just give him a "gift" or something for doing it. He did mine for a couple years and wouldn't take anything for doing it.