I have a cell with the following calculation

=IF(AND(C62-C560,C70-C660),"Yes - Loan Should be
Approved",IF(AND(C62-C56<0,C70-C66<0),"No - Speak to your Advisor.","Possible
- Depending on Detailed Application, speak to your Banker"))

Now it works ok but I want to stop it calculating until the "user" requests
an answer.

The second part is how do i tell the spreadsheet to remove all data in
"unprotected cells"?

The idea the user opens the spreadsheet completes a series of cells then
selects answer to display then closes out without saving the data so the the
spreadsheet is blank on reopening.
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Rob52