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Trying to use Online Update

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I just downloaded Money Line and have entered a checking account and a credit card, to test out how the online update works.  For me, evidently, not at all.  The program gets an error when connecting to either account.  I have put in a "last download date" of a few months ago.  Sign on and password are correct.  Can anyone tell me what I am doing wrong?  I have not purchased software yet, but I thought the online functionality would be available in test mode....

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