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Yes, what Steven is referring to is the fact that Money, nor any other programs, close when you tap on the X in the upper right corner. Doing this just minimizes them so that if you open the program again, it will take you back to where it was when you closed it. Doing a soft reset does close all open programs which is why it will ask for your password after a reset.
Besides doing the Switcher bar procedure Steven described, you can get some second part add on programs that will actually close your programs. Icbar is a favorite of the users on AximSite.
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