Hi Dorothy,
If you do not have Excel, you can download an Excel viewer from Microsoft.
The viewer will allow you to read but not edit a workbook.The viewer is
freely downloadable from:
http://tinyurl.com/54tzl
Another possibility would be to download the freely available OpenOffice
suite which can read and write Excel workbooks. The download is > 60MB
(IIRC), but the suite can also be obtained on CD.
For OpenOffice go to:
http://www.openoffice.org/
A third possibility would be to purchase a cheap copy of an earlier XL
version - say XL2K - at Ebay.