You slightly misread, or I did not make it clear, that the point you did accept, is the point that bothers me. Sure, once we efile a return it is on the software company servers and the IRS and state servers. But it's also on mine, and if I need for some reason to look at a return I did 8 years ago, it's there AND SO IS THE PROGRAM THAT CREATED IT. But if I use a 'cloud' program, and then I change companies, how much access will I have to the files? Yes, I can store a pdf copy, but I can't, as I understand it, manipulate a file except through their program. If so, and I want to amend a return I filed through a company I no longer use, do I have to recreate it in the new software? Or if a client wants to know, "If back In 19__, I had overlooked _______ what would that have changed on my return?" can I go back and 'play with the numbers'?