Xero is so unbelievably frustrating to use. It seems that they have no idea what users need, or they make no attempt to fix it. For user interface, I'd give it a Zero. Finding almost anything in the menu, another Zero. Applying Rules automatically from bank feeds, that's about a 2, because some work well - some of the time. When Xero suggests the wrong Rule, and you have to try and figure out why, and then re-build a rule - well that process deserves a negative 5! I'm only still using Xero because my accountant apparently likes it.
