Below is an index of spread sheets I have developed that I hope will be of benefit to you.  Each page will lead you to a graphic display of the spreadsheet,  instructions and a virus free zip file for download.  All spread sheets are in Excel '95 5.0 format for your convenience.  If you have any questions, be sure to email me.

I am also available for  designing spread sheets for your unique needs.  Be sure to contact me for a quote.