“Is Microsoft Word and Microsoft PowerPoint included in this laptop? Do we need to purchase Microsoft Office separately, and do we need to pay it yearly or is it a 1-time cost (pay now, no need to pay later)?”
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Those programs are not included. Currently you need to buy Microsoft 365 which is a yearly subscription. I do not know if Office suites are still available that you can buy outright or if everyone needs to use Microsoft 365.
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