Hello, I'm considering purchasing Moneydance and switching from GNUCash. The polished UI and DropBox sync features are some of the driving reasons for the switch. I have a couple questions though:

1) For the DropBox sync, I assume these are encrypted, correct? What specific form of encryption do you use (e.g. AES256)?

2) For the locally stored files, are they likewise encrypted before reading/writing to disk? If not, then I can write a script to gpg the underlying files when I'm done, but is there a way I can write a plug-in to accomplish this?

3) What format is the underlying data stored in, and can I backup/track it over time? For example, on GNUCash un-compressed, the information is stored in a simple xml document which I keep checked into a git repo to do revision-control tracking, in case of mistake on my part. I then tar this up and encrypt the archive. If anything ever happens, I can always write a script to extract the underlying data. Can I similarly access and track Moneydance's records over time?

Thanks!