I can open the workbook where it was created and it's fine. I can FTP it to
another system and open it there and it's fine. But if I attach it to an
email and try to open it from the email, I get "<Filename cannot be
accessed. It may be read-only, or you may be trying to access a read-only
location ... ". Then it opens, but the formatting (bold text, column widths,
etc.) is gone.

Workbook created using Excel 2002, opened from Outlook 2003 SP2 on a system
with Excel 2003 SP2.