I create hundreds of excel spreadsheets and would like excel to startup with
the following settings:
1. Alignment - Vertical set to "Top"
2. Default number field set to number with 2 decemal places and a comma.
3 Text Control - Wrap = Off

The current default vertical allignment set to Bottom and wrap on causes
information display problems. To a novice user a cell can appear to be
empty.

Is there a startup settings file that can be changed for Excel or some
secret setting within Excel to do the above? If so, how?