Sheet: 
(0, 0)		This macro sheet contains one user-defined function, CONCATENATE, that is called by the college expenses worksheet
(0, 1)		 
(2, 0)		concatenate
(2, 1)		CONCATENATE
(2, 2)		takes a horizontal array (i.e., one that is 1 row
(3, 0)		
(3, 1)		TRUE
(3, 2)		tall) and returns the result of &'ing all the
(4, 0)		
(4, 1)		TRUE
(4, 2)		entries together as text, separated by
(5, 0)		
(5, 1)		TRUE
(5, 2)		"separator"
(6, 0)		concat.accum
(6, 1)		
(6, 2)		
(7, 0)		concat.col_ctr
(7, 1)		0
(7, 2)		
(8, 0)		concat.current_entry
(8, 1)		
(8, 2)		
(9, 0)		
(9, 1)		TRUE
(9, 2)		
(10, 0)		
(10, 1)		TRUE
(10, 2)		
(11, 0)		
(11, 1)		FALSE
(11, 2)		
(12, 0)		
(12, 1)		TRUE
(12, 2)		
(14, 0)		auto_loader
(14, 1)		auto_loader
(14, 2)		by pointing a worksheet's auto_open at this
(15, 0)		
(15, 1)		TRUE
(15, 2)		macro, you ensure Excel will always load this
(16, 0)		
(16, 1)		
(16, 2)		macro sheet when the worksheet which relies
(17, 0)		
(17, 1)		
(17, 2)		on CONCATENATE is opened