Hi! I'm a lifelong window user and got an iPad 16 version4 (with retina screen and SIRI) on my birthday last Wednesday when I became 82. Very sweet of my kids so that now I can stay in my chair and follow the world from there... But I control my household budget regularly and my hang up with Apples IOsx is that I cannot read my banking statements and my spreadsheets anymore in separate windows to transfer info from one to the other. OK there is a Duo Browser. But getting my data files from the iCloud from my desktop computer produces spreadsheet files, though very well visible, incompatible with the iPad Spreadsheet app. Can anyone help ?