No, it's simple stuff - a financial budgetting sheet - ie just normal
basic maths functions. I have others that do cleverer things, but they
are small and speed is not an issue.

What I wonder is why it recalculates on opening at all, or if it can be
stopped. After all, presumably the spreadsheet was calculated before the
previous save (assuming auto-calculation - and I haven't so far found a
means of switching that on and off), so therefore there should be no
need to recalculate on open.

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