I am really enjoying the great finance tool. I really like the encryption option. I don't know why but the program doesn't seem to process transfers scheduled on the Repeating Transactions page. I transfer money each month into a savings account so I use the repeating transactions page to schedule them, however when I do a cash flow report my scheduled transfers have no effect. My checking account maintains its original value through the entire year as does my savings account, I would expect my savings to reflect the monthly transfer and increase in value as well as my checking account decreasing in value. Thank you!