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All donations to my daughter's education fund will be gratefully accepted. :D Seriously, if anyone wants to modify or improve the file in any way - please do so and send me a copy. I've made a number of changes over time, and always like to look at improvements. Pierre

Hey !! that's the spreadsheet I wrote a couple of years ago. Good to see some people are still using it. I know I always do. Need the proof that I wrote it? Open the file. Select File, Properties, and the the Summary Tab (just in case someone wants to challenge - not that anyone would doubt...