So, how do you modify the default settings? If you create a new default
template [book.xls] like I have any settings you change , such as number
styles or fonts, only apply to a new workbook that you create.

Where the settings for a CSV or other textfile that you open directly
[without importing into an existing worksheet] come from I do not know and
cannot seem to find out. I was really hoping that someone from Microsoft
directly would answer this post, as I think that they will be able to provide
the information that I need.

Chris Bowers