Hi All & happy New Year! (I'm using Excel 2003)

I made a spreadsheet that looks like a form and basically is a specialized
calculator for the Mortgage industry. I want to protect it from noobs, so I
locked most cells except for input cells, and made it a read only file before
I sent it to them.

Is there a way I can make it even more user friendly by automating the save
process. Specifically make it possible to click a box that will look for a
"Borrower" folder in their MyDocuments and save the spreadsheet with the
borrowers last name (that is in a cell that they fill out) appended to the
original file name? Can it also make the folder in their MyDocuments folder
the first time used? (i.e. if it isn't already there). Is this possible or am
I on the yellow brick road here? lol

Thanks in advance for all replies!