I loaded ti trial ver9. Decided to buy it & went to the web to get a copy. Was presented with a choice to secure my d/l so I can d/l again for 2 years. Does anyone know if I but the d/l is it a file that is downloaded or is it just installed from the web? If I get a file I can make a b/u of the disc right? So whats with the insurance ? A new scam? Do they really need $6 more?