Is there very much difference in home and student software, say 2007 versus 2013. And is there any advantage or disadvantage to have just a key or have disc and key. Any help would be appreciated. Best buy wants 149.00 for a key 1 intall on 1 pc. There are numerous deals on ebay at great savings, but I`m just not comfortable acquiring something I`m not familiar with . Thanks a lot and appreciated, Ron Bayne