Susan wrote...
another idea is to leave the formula as it is, and use conditional
formatting to turn it to white text if it's an error..........

formula is if(iserror(c19/c18))
format white text

then it'll automatically be "invisible" when people open the
spreadsheet, but when they start entering info into column c then
suddenly the formula will "appear".

:)
....

But if the formulas producing the #DIV/0! errors are used in other
formulas, those other formulas would also have to be conditionally
formatted. And if those other formulas were called by yet other
formulas, those other formulas would also have to be conditionally
formatted. And so on.

Bummer.
:(