M04 Transaction & Quote Downloads stopped?

[Mark Horn]

I've been using M04 for a while now. I skipped M05 and M06 and I'm
on my way to skipping M07 (maybe). Anyway, I'm at about 3 years of
using M04. According to the licence agreement, M04 deluxe online
access will cease to work after

* 3 years after activiation of software, or
* Sept 1, 2007

Whichever comes earlier.

I did a quick google groups search and couldn't find anyone who
had reported having experienced this 3 year expiration. I have
vague recollection of having read of this kind of thing before
(in this group), but that it was always just something user error
and not actually the online service expiration.

So my question is this: Has anyone experienced this expiration?
The license for M04 Standard was the earlier of 2 years or Sept
1, 2006. Surely there are some M04 Std users out there who can
weigh in as to whether or not downloads have ceased.

My reason for considering M07 is that I may eventually be forced to
deal with not being able to d/l transactions and quotes. And frankly
that sucks. So I'm considering whether or not M07 will suffice.
So I'm curious as to whether or not the online expiration in the
license is just some text in a file or whether or not it's real.

FWIW, the text in the M07 license is far more unsettling:

"Microsoft provides Online services with the software.
It may change or cancel them at any time."

Part of my motivation for looking at M07 is to extend my online
services. But the M07 license agreement sounds worse to me than
the M04 agreement. It'd be nice to know that the M04 terms are
not actually being enforced.

Thanks in advance.