After 2020 arrived on time as promised, things seemed good for around a month. After that the problems started and progressively got worse. Repeated calls to customers services demanding the problems were addressed repeatedly ignored as the call centres were supposedly closed down. Eventually asked for a refund but was told - by an automated system - that this was against 2020’s Terms and Conditions and that I would just need to wait for the problems to be resolved in the new version, 2021, which is due soon. I am sceptical, but nothing else I can do at the moment. Fuming. Would leave 0 stars if I could. NOT recommended.