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I know that sometimes these programs can be a pain to learn for a non-developer, but with the Average Interest Rates Calculator this is not the case. The program works amazingly well, very easy to use and keep up with. I have no idea if you would consider it an absolute necessity to have, but I can say this program is well worth the money. In fact I would have paid more for it if it were available to purchase from any other source. The only downside is the fact that you cannot save the data entered from previous sessions. Here are some of my thoughts on the program: It has a very easy-to-use interface. The program has a very clean interface and a well-designed set of options. All entries are intuitively understandable. I had a total of 12 results after being entered into this program. The results look fine, so there is no reason to doubt the integrity of the program. Overall, this is a very good program. Thank you.Mark is known to often change his mind on things. 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