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Can't access back-up file

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Last night, I backed up my MS Money file to a zip drive on closing, as I always do. Tonight, I started MS Money from the main file on my hard drive, something weird corrupted the file, tried to restore last night's back-up, received error "e-mail address or password is incorrect". I went to microsoft.com which also needed to reset the password, tried again in MS Money, still doesn't work. I didn't know Money put a password on back-up files & have never needed to restore a back-up before ... HELP!

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