My idea is COMMMERCIAL. I have paid a year HOME and an EXCHANGE license. and want to upgrade to PREMIUM here are many free lancers that grow, start with HOME and then want to grow. Today it means I have to pay a full license for BUSINESS. I suggest refund HOME or credit it to the BUSINESS ACCOUNT. The current policy hampers my growth and Microsoft growth. Current policy has a 80s/90s taste. We are in 2018. Greetz Great products by the way. I LOVE THEM.