I have not yet purchased the Q bank but will next week. One other thing to consider when choosing between the CD and web access is that the CD requires admin rights to install and run. If you use a work computer that has a very restrictive computer/network policy, installing the CD may be a problem. However web access is generally not an issue, however, the website could be blocked by a filter. Supposedly, Schweser will allow you to switch from CD access to internet access (according to their customer service). If anyone has an actual expereience with this, please feel free to correct/ add to my comments. thanks.