garygulbransen said: I have egg on my face!! Thanks Chris. What happened is I opened the file with Notepad not realizing it is a PDF file...evidently any PDF file opened in Notepad looks Chinese. I still have my 6-7 second delay after hitting Enter on a data entry. I first found MS OneDrive was syncing my data file to the cloud, but getting rid of that did not help. Disconnecting from the web cuts the delay to 3-4 seconds...and when I first start the Quicken a box flashes "Syncing to Quicken" or something similar.