I receive financial data from the bookkeeper as an Excel workbook. Openning
these workbooks turns ON the Reviewing Toolbar. It then remains on, and
defaults on at next Excel start unless I remember to turn it OFF. This is
annoying as there are no Reviewers changes or comments on these workbooks.
Can this behavior be disabled?

I know I can Re-SAVE the file with the toolbar turned off, but the next
month's file will still turn on the Reviewing toolbar.