Dude if you think that what I asked for would cost $20,000 then you've got your head up your you know what. I have written all the Excel stuff, just need someone to write the code that will do three things - calculate, refresh, send to Access. If that costs $20,000, then I know one thing, whatever you do for a living, I am glad I am not your client.

Actually, to further prove the point, a mate has introduced me to a programmer mate of his, he's doing it for me for a slab of beer. It'd want to be a good slab for 20 grand.