I have reread your QB terms of service and if we don't sign up QBs will hold my data hostage until I pay the ransom of signing in to my Intuit account.  It's like letting QBs hack my data without having to figure out how to get into my data. I am self employed with 1-3 employees.  I do not want my data available to anyone else.  I have total control of my data on my computer.  Now with QBs making us sign up it will become available to all.