Microsoft Money, multiple accounts, and multiple files?

[SUOrangeman]

I've been managing my finances with Money99 since, well, 1999 (probably as early as 95 with prior releases). My wife got started in oh, 2001, I guess. We just got our first joint account last week.

We could:

[*]Put all accounts in one big file (not ideal, as we manage current accounts separately ... on separate computers)
[*]Keep the joint account in both of our individual files, and force each other to stay in sync (can be a hassle, no?)
[*]Keep joint account in its own Money file

I like the final option, but I'm not sure if I can properly represent transactions between joint and personal Money files/accounts. Any ideas?

-SUO