Eve:  My Concerns
> Also, if programming in Excel is so awesome, why am I not developing banking software using it?Well, if you took away Excel, the banking system would collapse. It might be old and clunky, but it can do anything you need it to. It might not be "real programming", but near enough anyone is able to get a spreadsheet up and running much faster than a POC app that's been built in a proper programming language.