Excel, Quattro Pro, and 1-2-3 all come with templates for common spreadsheet tasks such as planning a business and managing a loan. Even if you don't need to use the templates, you can get good formatting ideas from them. In Excel, select FileûNew, click the Spreadsheet Solutions tab, and select a file. (Head to www.microsoft.com/officefreestuff/excel/ for more templates.) In Quattro Pro 8, select FileûNew and choose from more than 60 templates. In 1-2-3, select FileûNew and pick a SmartMaster.