Compared to version 3, it's a giant leap backwards. It's much harder to locate cards and you don't have choices of greetings. It's impossible to customize envelope size. The old calendar is missing. It doesn't import all your birthday reminders from version 3 either. Some cards are "buggy" and take a long time to paint on the screen.It also has to run as an admin under XP. Give me a break. You have a card program that you want inexperienced users to run and they have to be admins!