I'm using Quickem from where I've always used it, Portugal and I've never had any problems since installing my Quicken Deluxe 2020 license, until a few days ago. It is unfortunate that a simple ID and an access password are so difficult to obtain, or to accredit. In my case, I don't make payments or transactions online, because I can't use the program without always being asked for an ID and Password? because there is no way to use without access to the net???