PG Music also has a 4 or 5 payment program. It's in the announcement section. The only time they put it on sale is when they come out with a new version so it's really only on sale Dec to February, maybe shorter. But that is why it took me 5 years to upgrade, because I didn't know about the 5 payment program, which they have made it public this year. So while I bought it. I probably would have upgraded sooner had i known about that.