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If I had to choose only one application for my business, it would be a spreadsheet. Besides performing math calculations on rows and columns of numbers, today's spreadsheets can store and retrieve records like a database, format documents and graphics like a word processor, and produce outlines and time lines like a scheduling program. Over the years, the best use of spreadsheets I've seen has come from Turtle Creek Software. The company started out with a Macintosh product called MacNail, which uses a set of templates for the Microsoft Excel spreadsheet (both Mac and Windows versions). The latest version of MacNail can perform estimates, calculate payroll, track job costs, schedule jobs, and create material lists — in short, it can practically run