The bank puts a .QBO file behind a Download button, a bookkeeper attaches it to a quarter-end mail, and the other side hands it over with the rest of the production. The format was built for transport between a bank and an accounting program, not for reading by a person. SoftOrbits QBO to PDF Converter is for the case where the file is on your disk, QuickBooks is not on this machine, and the statement is needed as a document today.