bin <-> cal looks fairly easy to do. Even and odd bytes are flipped. Have to look at .jcl and others to see what changes are made. No need if John's willing to give out conversion app.
HPT uses available Microsoft routines for encryption when saving file. It's possible to make program read and save only necessary parts of files so you can't read complete file out of memory or out of file.
Now if one could fool these programs into writing to a virtual pcm...
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