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Default Template format changes

How do I change the default formatting for "$", "%" and"," when I open a NEW
file? When I enter a large number and select comma formatting, it gives me
two decimals, and I want none. I would like one decimal with percent format.

Older versions of Excel allowed you to save a normal.xlt file with changes.
When I add a personal template, Excel won't load it without me selecting it
each time.

Tom
 
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