Yep, when I created it I was keen on figuring out exactly what I'd be spending, including all the "hidden" extras. While it kinda ballooned out from the original intentions, I think the cost and credit analysis part of it is one of the strongest aspects. I can develop it at work too! (Not that I ever would... no ... never...) Thanks! Heh, if you worked on your spreadsheet off and on for ~3 years, I'm sure it'd be just as fancy and have all sorts of funky stuff. Unfortunately, I think I'm pretty much at the cap of Excel functionality on this thing (well, beyond putting the TiW "switch" in there to say Yes/No to using it per restaurant...I gotta do that real soon) so it's either going to sit as (almost) is, or migrate itself over to the web. (I've started on the back-end for the web version, but the scope is getting away from me again...) Thanks!