For the last few days, Quicken is very slow to open the first file. It freezes for 50 seconds when I use File to open another data file.
Cloud backup used to show a popup that it was backing up with a percentage completed, but that's absent now. I could also change data files within a few seconds. even while it was backing up the previous data file.
Disabling cloud backup shortened the time to changes files to 5 - 15 seconds.