Ok I have jumped through all all the hoops at RFBD. They say they will ship my books even though they know I am to download them to my computer. They did charge me $100.00 for my individual account. I didn't give them my credit card number nor did they ask. I got al the notices and activated my account. Now I even downloaded their download manager. Now how important is this application. I tried to open the file or run the program and got a run time error. Not once but twice. so what gives?? Any advice will be greatly appreciated.