(What happens in the unlikely case that PTO Today folds up shop and Finance Manager goes away?))
Hey!!!

Just kidding. It's a valid concern, but a couple of responses:
1. With the reports functionality of FM, you can download all your data to your machine as frequently as you like. We back-up systematically/daily, but if you'd like the extra fail-safe, it's there.
2. I do think if you compare the risks of 1) PTO Today going away with 2) something happening to the person or machine (we've heard all kinds of sad stories) that runs the Quickbooks file... then the risks of a data loss are much, much higher with the stand-alone option than with Finance Manager.
Tim