This is absolutely worthless advice.  I paid a small fortune for QB Desktop Pro Plus 2022 and now you tell me that in order to download a QBX transfer file from a different QB desktop version I have to purchase THAT version also??  NO WAY IN HELL I WILL DO THAT.  The more I deal with Intuit, their nonstop greed and pitiful support, the more I keep being driven toward looking elsewhere.  Intuit sucks, period.