Must the actual working file be in SkyDrive, or when I drag/paste the file into the SkyDrive (SD) folder am I really creating a link to the original working file. In the case of Quicken, for example, multiple files are necessary, but it would be handier and less confusing to keep them all together in a "Quicken" folder with just a link in SD. I certainly don't want to store the entire folder in SD. I suppose that I could put a link in SD, then go to my other location to see what's there, but it would be better to know what I'm doing. Please clarify.