Yeah, that's why I didn't get a Chromebook, instead of my low end laptop. I want my files/programs on my ssd and h.d., where I have full control of the security. I really hope 9 or whatever they call it, isn't subscription based, like Office 365 is. Yes, I now have Office 365 Home Premium, but only because out the gate, it was cheaper for my desktop & notebook. Office 2013 Home & Student for 1 pc @ $149.99 is steep. Considering it used to be a 3 pc license for Office 2010 and earlier at that price. That add's up quick, when you're on disability for life.