@PATAX understood. With interest rates set to be lowered this year, I remember the old adage, Don't fight the Fed.  So I think lower interest rates will have a positive impact on the market in general.  And Intuit, owns the personal tax prep do it yourself businsess and from what I hear has the largest number of Pro customers also.  If they can make Mail Chimp and Credit Karma more successful that is just extra.  I know the IRS push to free filing can cut into some market share but I find most of my clients, even the easy  return clients just don't want to deal with filing on their own. One last point. I remember reading a few years ago before the AI explosion in the markets how Intuit was trying to incorporate AI into all of their platforms.