I found some templates for Excel on the Microsoft Webpage - I tried to save
them to my computer and then when I tried to reopen them to use them my
computer said that they were "read only." I went to the properties of the
file but the read only option is not checked ... how do I change those
templates from read only to a useable format when I save them to my computer.
I am running Excel from Word XP on Windows XP.

Thanks for your help!