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I've used TurboTax since 1986 and this is the last year. I would rate this product a 5 except for Intuit's activation scheme so I'll rate it a 1. While I had no problem activating TT using the internet, I now find that I'm going to have to reformat my hard drive in the immediate future. This will require that I reactivate the product to continue to use it. The same will be true if I change out the HD or buy a new computer. Also, each time I use the program, my registry is modified on the next boot which is a direct result of Intuit's activation scheme. I haven't let others use my copy of TT but I feel like I'm being punished anyway.