Yes very helpful Samantha thank you very much.

I notice that version 11 can be purchased with a backup disk at extra cost. would you be so kind and tell me why Version 11 professional does not come with a backup disk even if I wanted to pay the extra cost for it.

What makes it so different from version 11 apart from the costs that makes your company not wanting to provide a backup disk and does not sees it  warranted for a backup disk.Based on the fact that I would be paying 3 or near 4 times the cost of just version 11 with the professional version. My other question is how much the version 11 professional would cost me in total with any discount. Based on your reply it will determine if I will purchase the full professional program from you or just stick with the current version 9 that I am using and does the job . Kind Regards Christine