I really want to like RagTime. It is amazingly versatile. It gives you more fine-grained control over the appearance and function of spreadsheets than any other app I know, and although I do not use it for word-processing, I am sure that the same is true there. It can combine spreadsheets and other forms of document in unique ways. I have been using it for several years for my own accounts, and I have found it to be very solid. The catch is that even with the supposed interface improvements in v6, it is fiendishly opaque to fathom. I am an inveterate fiddler, and I can find my way around most apps if I really want to, but every time I need to do something other than working on existing documents I find myself struggling with the byzantine complexities of the interface. This is definitely one Achilles heel. The other is the price. I bought it at a discount, having used Solo happily for years for free, but I would not have considered the full price. A shame, because I really want RagTime to flourish and improve, but until someone with a realistic understanding of interface design can harness its power in a much more accessible way, I can only give it a rather lukewarm recommendation.