i found a post from a year ago with another person who fell for this same issue. Quicken, you have a great product, with the exception of this flaw that you were made aware of a year ago. Why is this not fixed? I bought the deluxe version, was under the impression that web and desktop would sync, and apparently they do, but one HUGE item that was not disclosed was that you must first set up via desktop BEFORE you can sync to web. This needs to be made clear or the option should be disabled. Please fix this.