I am really liking Xero very much. For the first time in my years of bookkeeping I actually feel confident that I am on top of everything--including sales tax which has always been a headache for me-- and that transactions are being categorized properly. Your notes under each category on the COA have been very helpful. After the initial learning everything, now I spend just about 10 minutes a day on average entering transactions, reconciling, etc. I only wish I had started a year ago. 🙂 I love it so much more than QB.