I totally agree with your comment that PayTrust's "end-of-year CD has pointless encryption that ads no security and gets in the way", so I wrote a free tool to export the data on a PayTrust CD out to staight HTML files...

http://josh.com/PayTrustExport/index.htm

Once you've liberated your data (it is YOUR data), you can keep it on your hard disk, print it out, search it, load it into a spreadsheet, and know you will be able to access it for many years to come.

Now if we can just get PayTrust to fix a couple of very minor issues, the service would be perfect.