To make this the default for all new workbooks and sheets....
Open a new workbook. Customize as you wish. File>Save As Type: scroll down
to Excel Template(*.XLT) and select. Name your workbook "BOOK"(no quotes).
Excel will add the .XLT to save as BOOK.XLT.
Store this workbook in the XLSTART folder usually located at........
C:\Documents and Settings\username\Application Data\Microsoft\Excel\XLSTART
This will be the default workbook for File>New>Workbook.
You can also open a new workbook and delete all but one sheet. Customize as
you wish then save this as SHEET.XLT in XLSTART folder also. It now becomes
the default Insert>Sheet.
More can be found on this in Help under "templates"(no quotes).
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