Adarian Money for Palm OS is a complete personal finance management software. It has everything you'd expect from a serious finance software--account registers, reconciliation and balance adjustment, income / spending analysis, reports, budget plans, scheduled transactions (like monthly bills), overdraft and over-budget protections, charts (like pie chart and cash flow chart), data encryption to protect your data from prying eyes, auto backup to prevent data loss when your handheld crashes, import / export through QIF files to exchange data with other finance software, multiple currency support. If you want the added convenience of managing your personal finance on both a PC and a handheld, you can purchase the Windows version of this product - Adarian Money for Windows - to work with the Palm OS version. Through HotSync, the two can seamlessly synchronize their data so that you can view and edit your finance anytime any place you want. Version 4.0 closes accounts / payees / classes; adds templates and transaction types; sorts accounts in any order.