Office 2013 Home and Business, both retail and OEM give you a freaking envelope with a code inside. You need to make a microsoft account and have them stream the installer. Here's the issues I have with this. A. They max the limit at FIVE computers per account B. Install takes WAY longer than it did with a disk and often crashes requiring a complete forced uninstall. C. I can't tell which license is which on the my accounts page without jumping through hoops to see the fricken product number. D. Microsoft charges MORE for a volume license agreement to avoid this shit. E. When I burn a disk, it asks for a key, but still makes me create an account I just want an MSI, or the built in installer that comes on randomly new Dell laptops (they mostly come with 2010 preinstalled) where I can ENTER THE KEY AND INSTALL THE DAMN SOFTWARE I PAID FOR! How do you guys handle this? Between Windows 8, all this licensing bullshit, and the Xbox One, Microsoft has really become anti-business and anti-consumer. They have made a shit-ton of bad decisions and I really hope it catches up to them quickly.