Software Vault: The Diamond Collection

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Introduction to Financial Wonder -------------------------------- Financial Wonder will Revolutionize the Way Business Prepares Financial Reports & Consolidations - Business Prepares Budgets - Business Determines Corporate Decisions If you have not reviewed our screen demo, please do so. Our screen demo provides considerable information to understanding Financial Wonder's operation. In addition, it acts as a simple tutorial by providing a pseudo pull-down menu system. Our complete manual is over 500 pages (half-size pages). About 300 pages consists of a very complete reference section including hundreds of examples. Most of this will never be used by the average user, however such detailed examples will provide support in understanding particular formula methods. Two basic sets of formula methods are provided in the on-line manual. FW WILL MEET YOUR NEEDS ----------------------- Corporate budgeting, forecasting and cash flow analysis ------------------------------------------------------- * Accounting department * Budgeting department * Financial analysis * Financing bank loans * Business plans * Business decision making > Capital investment > Sales price sensitivity analysis > Comparison to corporate profit goals > New Venture feasibility study > Effect of policy change on cash flow: - marketing plans - collection and payment policy - loan agreement - intercompany debt arrangement - discounts on large sales orders - employment levels and number or length of shifts * Mergers & Acquisitions * FASB 95 Cash Statements Why spend hours preparing by hand! Create reasonable monthly financials from historical annual reports using Seasonality Screens to estimate monthly activity for the past year. This is great for cash flow analysis. EQUIPMENT NEEDS --------------- Designed for the IBM PC, XT, AT, 386 and compatibles with hard drive and PC or MS-DOS 3.1 or higher and 640K available memory. At least 3mb of hard drive space is needed. Color or monochrome monitor. At least 1 megabyte of expanded or extended memory is highly recommended. Financial Wonder may be operated under the MS Windows 3.0 operating system as an MS-DOS application. Our virtual memory management is compatible with MS Windows 3.0. A PIF file for windows use has been included. It should be modified for your system needs. Financial Wonder for OSAS is a version of Financial Wonder that can read and write to the OPEN SYSTEMS Accounting Software General Ledger, version 4.10. All features of the standard Financial Wonder program are present in Financial Wonder for OSAS. Financal Wonder for OSAS can import current-year, budgeted, and prior-year amounts from your general ledger. Financial Wonder for OSAS can export budgeted amounts to your general ledger. Financial Wonder has been written in the C programming language. This is one of the most sophisticated languages available and is the language of choice for Unix and the new OS/2 operating system. This ensures that future versions for other operating systems will become available. This program will use the full potential of your computer like few other financial programs. FEATURES -------- FW provides numerous features: * Over 250 financial accounts are preprogrammed. * New sub-accounts can be easily created. * Three years are forecast on a monthly basis, resulting in 36 monthly forecasted sets of financials and ratios. * Spreadsheet format provides comfort and familiarity. * "What-if" calculations are easily performed. * A flexible mixture of Monthly, Quarterly and Annual size periods can be defined by the user. FW understands the size of each forecast period, with spreading to create monthly financials based on your use of our extensive list of forecast methods. * 120 Formula Methods provide State-of-the-Art power. A number of methods allow for compounding on a monthly basis, geometric progression (calculated by either the user or FW), weighting based on seasonality, and combinations of compounding, geometric progression and seasonality. (A geometric progression is, in essence, a trend line between the opening and the ending amounts). * FW allows you to link accounts (the results of one account are based on that of another account - ex: Cost of Goods Sold might be a percent of Sales) regardless of the numerical sequence of the accounts (ex: Sales might be a percent of Cost of Goods Sold) - and many levels deep! * Interest on each monthly cash flow is recorded, net of tax- effect. All financial statements are then updated before FW calculates the next month. Interest on current cash flow is based on the user's estimate of days available. * The present value of monthly cash flow is calculated for you as an aid in determining the value of the business. * Our use of multiple interactive spreadsheets and flexible data entry provide the user a common ground with spreadsheet programs. Similar to ordinary spreadsheet programs, full cursor commands are available for moving around our spreadsheets. * Full import/export of financial accounts with LOTUS 123. * One-key conversion of files to LOTUS 123. 8 financial reports may be converted to LOTUS 123. These are the Calculations and Monthly Calculations for the three financial statements, inclusive of ratios, and FASB 95 Cash Statements using either the direct or indirect method. Your 123 files will have the cell-width set, dollar signs, lines and double lines around totals, and extensive use of range commands and sums of these ranges pre-programmed for you. You can then customize your reports in LOTUS should you wish. * Easy to use 500+ page manual. This provides a short review in operating FW, and a large reference manual covering all 120 formula methods, financial statement preparation, report preparation and ratio method formulas. Use what you wish; there is no need to learn all or even most of FW to operate the program. Hundreds of clear examples are provided. * 100 Seasonality screens allows for a global change to Seasonality. Enter your Seasonality on a monthly basis. All formula methods using Seasonality use these screens. Changes can be made easily and in seconds. NO other program features this much flexibility. * Special Management Tools. Special ratio analysis features are provided. Set your ratings - FW will tell you how you did on a monthly basis and explain each ratio. Ratios can be calculated based on beginning, average or ending balances, individually user selectable. * 20 Report layouts are available for you to customize and save. * Reports are printed formally, with dollar signs, sub-totals and totals. * Printouts of either Data Entry or Calculated results display account numbers and formula methods. * Easy installation. * Screen colors may be changed at any time. B&W is also acceptable. * FW provides print drivers supporting 600 printers, using up to 43 different fonts (availability is printer dependent). * Numerous additional features are provided : * six spreadsheet copy commands to replicate amounts * change account number * change account description * mark row for deletion to exclude account from the calculation * remove mark for deletion * add new account * delete sub-account * move a row * move a block of rows * blank amounts to create your own templates from previously created files * global conversion between upper and lower case account descriptions with the first character capitalized * drop to a DOS shell to provide some multi-tasking capabilities * Our REPORT MODE allows you to modify each monthly calculation for each account, even add new sub-accounts. * CONSOLIDATION MODE can combine an unlimited number of files, up to 100 at a time. Consolidating details for be seen on-line, printed and exported to Lotus 1-2-3. FORMULA METHODS --------------- FW provides the flexibility to forecast a mixture of Monthly, Quarterly and Annual size periods. To accomplish this FW understands the size of each forecast period and allows for compounding on a monthly basis. 120 Formula Methods provide state-of-the-art power: I. Formula Methods with Automatic Spreading ---------------------------------------- Separate formula methods are provided for the Balance Sheet and the Income Statement. (See the section "Formula Entry" later in this chapter for examples of the difference between Balance Sheet and Income Statement formula methods) Spreading Methods ----------------- The following formula methods will spread your quarterly or annual period across the individual monthly periods in one of four ways: 1) Spread over the period evenly 2) Spread over the period seasonally adjusted 3) Increase by geometric progression over the period 4) Increase by geometric progression seasonally adjusted Formula Methods which can be Spread ----------------------------------- Separate Balance Sheet and Income Statement methods have been provided for the following * Specify Dollar Units * Increase the Previous Balance by an Amount * Growth Rate - Increment the Previous Balance by a Percent Adjust for period size difference * Growth Rate - Increment the Previous Balance by a Percent NO adj for period size difference * Annual Percent Increase - NO compounding Adjust for period size difference II. Other Formula Methods --------------------- Separate formula methods are provided for the Balance Sheet and the Income Statement. * Increment the Previous Balance by an Annual Percent - Compounded: * Exact seasonal amount * Rounded seasonal amount * Non-seasonal amount (no rounding required) * Percent of Another Variable * Percent of Another Variable's Previous Month * Percent of a Change in Another Variable * State Accounts Receivable as Average Days Outstanding * State Accounts Payable as Average Days Outstanding * State Inventory as Average Days Outstanding * Income Tax - Specify Dollar Amount * Income Tax - Percent of Income Before Taxes + Non-tax deductible Amounts Tax expense may be forecast as a specific dollar amount or as a percent of taxable income. Net Operating Loss ("NOL") Carryforwards prior to the years being forecast, may be specified. Forecast months which reflect a loss may be handled similar to a carryback, added to available NOL carryforward amounts, or ignored with no tax recovery or addition to opening NOL carryforward amounts. * One Month Dollar Amount - Place amount into specific month This allows you to forecast on an annual or quarterly basis, and place an amount into any monthly period. * Dollar Amount to be Placed into Each Month A specific dollar amount will be placed: 1) Into each month of the annual or quarterly period 2) Into each month of the annual or quarterly period through a selected month 3) Into each month of the annual or quarterly period beginning with a selected month through to the end of the period FINANCIAL WONDER RAISES THE STANDARD ------------------------------------ * Budgets deal with months, not years. But who wants to build 36 monthly forecasts! FW is an expert system. You may enter information in a combination of monthly, quarterly and annual periods, flexibly structured by the user. FW knows the size of your periods and will act accordingly, spreading on a monthly basis in accordance with the formula method chosen; which might be different for each account/period (every amount or percentage may be forecast independently). There is only one set of formula methods. At the appropriate time, FW will review the shape of your years (entered by you as monthly, quarterly and annual periods) and act accordingly, transparent to the user. This is an original concept and is the whole basis of FW. -------- NO OTHER PROGRAM CAN DO ALL THIS -------- * Offers such a variety of formula methods. * Allows you to use a different formula method for each data entry period of each account. * Allow the user to create sub-accounts. Spreadsheet templates are not flexible enough to accomplish this. * FW allows you to link accounts (the results of one account are based on that of another account - ex: Cost of Goods Sold might be a percent of Sales) regardless of the numerical sequence of the accounts (ex: Sales might be a percent of Cost of Goods Sold). Other programs require that the linked account be a lower number so that the linked account will be calculated first. This logic went out the window when LOTUS arrived, several years ago. FW allows you to link account #1 to account #2, #2 to #3, #3 to #4, and on. FW will search for the lowest level needed and work up the ladder you have created, all AUTOMATIC! * FW's 100 Seasonality Screens allow for a global change to Seasonality. Other programs act as if they never heard of Seasonality! * FW considers monthly compounding and geometric progressions in their formula methods - and considers both accumulating or growth balances representative of Balance Sheets and cumulative amounts representative of Income Statements. To accomplish this, special mathematical formulas were derived. These math formulas are proprietary. * Interest on monthly cash flow is recorded in the current period based on the user's estimate of days available. Other programs calculate interest based on the previous period's cash flow. Consequently, interest as a result of large changes in cash flow is never recorded in the current period, on other programs. * FW can identify errors in your cash flow, and correct the Cash Statement, automatically, while at the same time showing you the amount and location of the differences. FW also has a built-in error report which identifies the location of errors from linking to non-existent accounts. * FW allows you to customize and save 20 report formats for printing. * You may select the use of beginning, ending or average balances for calculating your ratio analyses - with each ratio individually set. This is an original concept of FW. * Using our Ratio Sensitivity screen, use the ratio analyses to grade yourself. You can set up five gradings, Excellent to Poor. These parameters will then be used to rate your forecasted performance. This is a terrific Management Tool, yet easy to use. Once again, an original concept of FW. PULL-DOWN MENUS --------------- FW provides an easy-to-use menu of options. The user can move throughout the program by pressing the "/" key to activate the main menu (the first line in the display above) and pulling down the option list. You may even use the left and right arrows to traverse between the pull-down options. DATA ENTRY ---------- There are three Data Entry screens: Balance Sheet - Data Entry Income Statement - Data Entry Cash Statement - Data Entry Most of your time in Financial Wonder will be spent inputting forecast amounts into these screens and selecting formula methods in the set of Formula Entry screens. There are * 55 predefined accounts in the Balance Sheet, consisting of various asset and liability accounts, special accounts and account totals. * 44 predefined accounts in the Income Statement, consisting of various income and expense accounts, and account totals. * 38 predefined accounts in the Cash Statement input, consisting of various cash receipt and payment accounts which provide amounts not otherwise obtainable from the balance sheet or income statement, accounts disclosing share of capital stock, and rates to determine discounted cash flow (many of these accounts will only be needed from time-to-time). You may freely use the various accounts, or insert new sub-accounts, in preparing your forecast. The special accounts and account totals will be calculated for you. * In addition FW provides you with approximately 130 predefined accounts representing a Cash Statement and extensive ratio analyses. This is completely pre-programmed. FW prepares this statement and all ratio analyses for you automatically each time you re-calculate. The Cash Statement is easy-to-understand. For external reporting, FW will print out or convert to Lotus 1-2-3 file format a cash statement in compliance with FASB 95, using either the direct or the indirect method. Cursor Commands --------------- Similar to ordinary spreadsheet programs, full cursor commands are available for moving about the spreadsheet. Each screen in FW appears as a single spreadsheet. By using your cursor keys - up, dn, pgup, pgdn, home, end, and others - you will be able to either slowly scroll or quickly move about each spreadsheet. Account Descriptions -------------------- Account descriptions may be changed for any account and at any time. Although you may change an account's description, the character of the account will remain the same. For example, the account "Accounts Receivable" will always remain Accounts Receivable in character when FW calculates the cash flow and ratio analyses. Any changes made while in this screen will be reflected throughout the program and in all printouts, reports and conversions to LOTUS 1-2-3. Add New Sub-Accounts ---------------- Predefined accounts have account numbers in even thousands (example: Cash is 100000 and Inventories is 108000). New sub- accounts may be added (or later deleted) with ease. These sub- accounts will have the same properties as the main account. NOTE: Three sub-accounts to Accounts Receivable have been added in the Balance Sheet - Data Entry screen displayed on this page in the manual. Account descriptions are selected by the user. These accounts will have the same properties as the main Accounts Receivable account. All forecasted amounts will be added to Accounts Receivable in the calculation of Cash Flow and various Ratio Analyses. These new accounts will appear throughout the program and in all printouts, reports and conversions to LOTUS 123. Any of these sub-accounts can also be "rolled-up" into Accounts Receivable when printing Financial Reports. In fact, the main Accounts Receivable account can be "rolled-up" into Other Current Assets. Mark Row for Deletion --------------------- To play what-if-games, you do not need to delete portions of your work. Both main and sub-accounts may be marked for deletion. If you were to re-calculate your model you would see that although the account was still there, FW ignored all Data Entry information for marked accounts. As far as the calculation is concerned that row does not exist. For example, say that you have five possible sales and five possible matching cost of goods sold scenarios. Instead of constantly revising your model you would enter all five scenarios and simply mark and unmark accounts for deletion, and then re-calculate each scenario. FORMULA ENTRY ------------- FW comes alive with its available formula methods. Each Data Entry cell (month/year period) may use a different formula method! This allows you to use several different formula methods across one account. Most other products limit use to one formula method for each account. All 120 formula methods are pre-programmed, and the power of these methods far exceeds that previously available using any general spreadsheet package. There are three Formula Entry screens: Balance Sheet - Formula Entry Income Statement - Formula Entry Cash Statement - Formula Entry FW calculates each Data Entry cell individually, based on the results of the previous cell (chronologically). Selected formula methods link one account to the results of other accounts or sub- accounts, which in turn could be linked to the results of still other accounts or sub-accounts. Formula methods are categorized as Nonclassified, Balance Sheet and Income Statement. Balance Sheet ------------- Balance Sheet types represent accumulating or growth balances. Spreading (to create monthly financials) ties together the peaks of the opening and closing balances. For example, the opening balance for cash might be $90 with $120 representing the balance after one Quarter (of a year). The intervening months might show $100 and $110 establishing a line between the peaks of $90 for the opening balance and $120 for the closing balance. Balance Sheet types represent a balance at the end of a specified period. Income Statement ---------------- Income Statement types represent the total amount for that period. For example, an amount of $120 for one Quarter might be spread $40, $40 and $40 for each of the three monthly periods. Income Statement types represent amounts to be distributed over the period. Cash Statement -------------- Cash Statement method selection will entail using a combination of the two distinct types noted above. Capital investment and income/loss accounts will typically use income statement or nonclassified type methods. A request for the number of shares of capital stock will typically use a nonclassified method to place the same number of shares into each month. To allow for total flexibility and optimum power most of the formula methods from these three categories have been made available to all three financial statements. Geometric progression and most other formula methods will also operate from the first forecast period entered, by prompting the user for historical income statement amounts. A geometric progression is, in essence, a trend line between the opening and the ending amounts. By prompting the user for historical amounts, only when needed and only from the first forecast period entered, FW can create a trend line (FW's trend line assumes a monthly compounding of the growth percentage -similar to the compounding of money's deposited in an interest bearing account). CALCULATION ----------- There are three Calculation screens: Balance Sheet - Calculation Income Statement - Calculation Cash Statement - Calculation FW will first calculate all results on a monthly basis, displayed in the three Monthly Calc screens. FW will then display/combine all balances/amounts in the same manner (month/quarter/year period) as you used to input your data, displaying the results in these Calculation screens. You should use the Calculation screens first, in reviewing results. The Monthly Calc screens may then be reviewed for the spreading of amounts on a monthly basis. Since FW looks at each cell as a separate calculation, most errors may be clearly identified from the Calculation screens. FW provides you with approximately 130 predefined accounts representing a Cash Statement and extensive ratio analyses. This is completely pre-programmed. FW prepares this statement and all ratio analyses for you automatically each time you re-calculate. FW will also print and convert to Lotus 1-2-3, a cash statement in accordance with FASB 95 using either the "Direct Method" or the "Indirect Method". Full cursor commands are available for moving about the spreadsheet. Calculation screens are for display only. You may not make any changes to the results displayed. MONTHLY CALCULATION ------------------- There are three Monthly Calculation screens: Balance Sheet - Monthly Calc Income Statement - Monthly Calc Cash Statement - Monthly Calc FW will first calculate all results on a monthly basis, displayed in these three Monthly Calc screens. FW will then display/combine all balances/amounts in the same manner (month/quarter/year period) as you used to input your data, displaying the results in the three Calculation screens. You should use the Calculation screens first in reviewing results. The Monthly Calc screens may then be reviewed for the spreading of amounts on a monthly basis. After FW determines your positive or negative monthly cash flow, interest income or expense will be calculated for you and adjusted for tax effect, based on the current tax rates forecast. All financial statements will then be changed by FW to reflect these amounts prior to the calculation by FW of the subsequent month. Rates of interest and taxes can be set in the Income Statement - Data Entry screen. Full cursor commands are available for moving about the spreadsheet. Monthly Calc screens are for display only. You may not make any changes to the results displayed. CURSOR COMMANDS --------------- Left/Right Command Left one cell LEFT Right one cell RIGHT Left five cells SHIFT + TAB Right five cells TAB To beginning of line HOME To end of line END Up/Down Line up UP Line down DOWN Up 15 lines PGUP Down 15 lines PGDN To top line CTRL + PGUP To bottom line CTRL + PGDN To top line - first column CTRL + HOME To bottom line - last column CTRL + END SPREADSHEET COMMANDS -------------------- Copy right one cell safety limits F2 no safety limits CTRL + F2 Copy right for curr year safety limits F3 no safety limits CTRL + F3 Copy right for all years safety limits F4 no safety limits CTRL + F4 Change account number F5 Change account description F6 Remove mark for deletion F8 Delete line CTRL + F8 Add new line INS Mark line for deletion DEL SEASONALITY COMMANDS -------------------- Copy right one cell F2, F3, CTRL+F2, or CTRL+F3 Copy right one cell (all months) SHFT+F2 or SHFT+F3 Copy for all years F4 or CTRL+F4 Copy for all years (all months) SHFT+F4 COLORS ------ Groupings: Data Entry, Formula Entry, Calculations and Monthly Calc, Seasonality, Setup Portion of Screen KEY No. of Colors Available ----------------- -------- ----------------------- Background ALT + F1 8 Cell-block ALT + F2 16 Account numbers ALT + F3 16 Month/Year heading ALT + F4 16 Account descriptions ALT + F5 16 Cell amounts ALT + F6 16 Menu ALT + F7 16 Menu descriptions ALT + F8 16 Statement title ALT + F9 16 Default colors -all items above ALT + F10 16 SCREENS ------- Destination Movement ----------- ---------------------------------------------------------- Top Menu Pull-down Key -------- ---------- ------------------------------ Data Entry Screens Data Entry F1 - from B/S,I/S or C/S F9 or '/' - from Formula Entry Historical B/S Screens Data Entry LEFT arrow from 1st column Formula Entry Screens Data Entry F10 Calculations Screens Calculations F1 - from B/S,I/S or C/S Monthly Calc Screens Monthly Calc F1 - from B/S,I/S or C/S SETUP ----- As was previously noted, FW allows you to enter information in a combination of monthly, quarterly and annual periods. When you create a new file, FW will request that you setup the manner in which you will enter your information. Your spreadsheet headings will then be created for you automatically. FW will know the size of your period (month, quarter, or year), therefore only one set of formula methods are needed. FW re-evaluates your setup each time you re-calculate. Therefore, you will be allowed to change your period structure, should you choose to do so. Say you have forecast the first quarter of the year as a quarterly period. Now, two months later you would like to enter your actual results for the first two months. FW will allow you to divide the quarterly period into three monthly periods. You may now enter your results for the first two months, adjust your forecast for the third month, and re-calculate using these changes to re-evaluate the remainder of your forecast. FW will also allow you to combine monthly and quarterly periods into quarterly and annual periods, respectively. This feature also allows you to use previously created files as the basis for templates, changing the periods for Data Entry to fit your new requirements. NOTE: If you need to forecast beyond three years, make a template out of the first file using the ending balances as the opening balances for the next three year forecast, saving this as your second file. SEASONALITY ----------- 100 Seasonality screens allow for a global change to Seasonality. Enter your Seasonality on a monthly basis (100 percent for each year forecast). All formula methods using Seasonality can use any one of the ten screens available. Changes can be made easily and in seconds. NO other program features a powerful feature such as this. In fact, other programs act as if they never heard of Seasonality! RATIO METHOD ------------ Opinions differ on specific formulas used in calculating various ratios. The differences are with respect to whether balance sheet amounts, used in the calculation, should be determined at the beginning of the period, end of the period or an average of the current and the previous period. Opinions also differ from ratio to ratio. This author feels generally that whenever possible an average should be used. However in an effort to provide the user a say in this matter, FW has provided the user with the ability to select how the ratios will be calculated. Each ratio may be calculated differently. RATIO SENSITIVITY ----------------- Forecasting amounts is only part of the story. Ratio analysis is used extensively by many companies to reflect the direction a company is heading. Although we provide numerous ratio results at the end of our Cash Statement, we decided to pump some life into these numbers. With your knowledge of your own business and with readily available industry data, we have allowed you to grade your future - and hopefully change it for the better (in both this forecast and in actual practice). This management tool is both easy to use and extremely powerful. You simply enter (using this screen) your concept of what you would consider EXCELLENT, GOOD, AVERAGE, FAIR and POOR. These parameters will then be used to rate your forecast. Your entries will be saved with the file, and your grading will be updated each time you either re-calculate or modify your rating system. RATIO CALC ---------- The screen shown above displays the result of your grading one financial ratio. The gross profit margins, shown above, are those of the latest re-calculation and are the same as those displayed in the ratio analysis within the Cash Statement. The grades are applied based on your pre-determined grading system. You can change the grading system and review the changes in this screen without re-calculating the entire file. By using the cursor keys you can page through 22 ratios. Both these screens and those showing our descriptive text can be printed out. FW will only print those ratio screens that you wish to print. RATIO REVIEW ------------ While reviewing your Ratio Calc results, you can display our Ratio Analysis description. Each ratio has its own clear explanation. Suggestions for management are provided below the explanation. These descriptive screens can be printed out. LOTUS SELECTION --------------- The files created within FW may be selected for conversion into LOTUS 123 readable files with the press of ONE key. The files created will be complete with pre-arranged cell widths, range names by group (ex: Total Current Assets), and SUM of rows or ranges. The range names will make it easy for you to modify the 123 file, in LOTUS, if you wish. 123 FILES --------- Once your 123 file has been created, you will have the LOTUS graph capability, and all of the other products on the market which work with 123 files. In addition, these files can be read by Excel, Supercalc 5 and Quattro. DOS SHELL --------- FW can exit to DOS while maintaining your FW program. The program will call-up a second copy of your COMMAND.COM (make sure your PATH command has been set in CONFIG.SYS). You will then be able to perform all of your regular DOS commands. To return to FW, type EXIT at the DOS prompt. FW will continue from the point where you left. TEMPLATE -------- This feature will allow you to blank amounts, formulas or seasonal percentages. This allows you to use your completed files as templates to create new scenarios. UPPER/LOWER CASE ---------------- Although not displayed in this chapter, FW has a set of screens, similar in ease of use to that displayed above, which will allow you to convert account descriptions to Upper or Lower case on a global scale. When you convert to Lower case the first letter will be capitalized. Use of this feature can be a nice touch when printing final reports. Selections can be restricted to either the B/S, I/S or C/S, and can be applied to either general account descriptions, total accounts such as Total Current Assets, or special accounts used specifically by FW. REPORT CUSTOMIZE ---------------- Up to 20 different report layouts may be stored and then selected for printing. Generally, all accounts will be printed out. However, sub-accounts created by the user (such as A/R - #1 Foreign noted in the demo2.wdr file, and displayed in the manual) can be changed to "Off", and any amounts in that account will be added to the main account (such as Accounts Receivable noted in the display in the manual). The line for that particular sub-account will not be printed. Should the main account (accounts in even thousands - ex: Accounts Receivable is #105000) be changed to "Off", any amounts in that account will be added to its respective Other account, such as Other Current Assets or Other Assets. If both a main account and some or all of its sub-accounts were turned off for printing, those amounts would be added to its respective Other account. The sub-accounts left "On" would print normally. REPORT PRINTING --------------- You may select which reports you would like to have printed out. One of the 20 customized report layouts may then be selected. Report printing is batch oriented. You could select the first and last report noted above. The reports selected will then be printed out in order. PRINT OPTIONS ------------- You may change your printer setup at any time prior to printing Printouts or Reports. Using different typefaces or changing the lines per inch is straightforward. There are up to 43 different fonts available (availability is printer dependent). Over 600 dot matrix and laser jet printers are supported. If you like small condensed printouts (or reports) try superscript (16 characters per inch) with 8 lines per inch printing. Or stick to a standard 10 characters per inch with 6 lines per inch. It's a snap to change! You can even change the margins on the printed page and the number of columns printed on each page. You may also change printers without leaving the program. Several print drivers may be installed onto your hard drive. This makes switching equipment easy. PRINT SELECTION --------------- All printing within FW is batch oriented, for ease of use. By moving the cell-block (cursor) over your selections and pressing Y or N, FW will note which selections you would like printed. These reports will then be printed consecutively. Similar print options are also available for printing 1) Printouts 2) Reports 3) Ratio Analyses -------------------------------------------------------- The following seven Chapters will review, in detail, how to use Financial Wonder. The Financial Reference section in Chapters 9 through 13 will explain each financial account, how to enter amounts and how to create report layouts. A large Formula Reference section follows these Chapters. They may be read prior to using FW, or used as the need arises. Hundreds of examples are provided. The Example Summary in Chapter 15 can be very useful in understanding the differences and similarities between the various formula methods. Wherever possible, examples have been created using similar circumstances and amounts. Small amounts have been used to enhance your understanding. In some cases, several different methods will arrive at the same result in a given set of circumstances. As circumstances change, this may not always hold true. Each formula method explains these similarities and differences. Even though two different methods may arrive at similar results in our examples be alert to calculation differences between formula methods, as large forecasted amounts will magnify these differences.