Are you guys discussing or have a release planned that will eliminate the need to rip down a file from the bank, then upload it into YNAB? how often would I have to do this to make sure that what I'm looking at is real, without having to constantly download a file or still compulsively log into my bank account online? I have an iphone app called pageonce that alerts me to bills and pulls in my bank account information so that if i go into the app, i see what my real-time balance is and what bills are due today, past due, etc. it would be great if you incorporated the same features into both the desktop version and the iphone app, so i wouldn't have all these "places" i have to look. nothing good can come of having multiple systems for checking the same thing - they'll never match unless they are integrated, and to me, it's a recipe for disaster. I haven't bought your software yet, but I'm thinking hard about it because God knows we need it. If i'm going to spend some money i want to make sure it's exactly what I need, so maybe I'm misunderstanding YNAB purpose compared to a bill service like pageonce. Thanks so much for the help.