Open a .QIF file in Notepad. A transaction starts with D3/4'26, then T-1240.00, then a line beginning with P, then one beginning with L, and then a lonely ^ to say the record is over. There is no header row, no column, nothing that tells you which letter is the date and which one is the category. SoftOrbits QIF to PDF Converter reads those letters the way the old accounting programs read them, and prints what it finds as a table: date, cheque number, payee, memo, amount, page number at the foot of the sheet.