The workbook is too new for your version????
If all you want to do is view the file, you could use the free viewer from MS:
http://office.microsoft.com/downloads/2000/xlviewer.aspx
An alternative: You may want to download a 60 meg file from OpenOffice.org.
I'm not sure it supports all the features that xl does, though.
http://www.openoffice.org, also available on a CD.
===========
You may also want to go back to the author and ask if they could save it as a
version that xl95 could read.