Hi Julie,
An updated version to try. (I'll test it on 97 later) The output need some formatting, but I think all the fields are functioning correctly. The Calculate function is automatic on the Userform, trigerred when a change is made.

Tony,
I was having some problem (still) with the image, so cancelled the Activate macro. Things still seemed to work as regards opening without the background, so I deleted this and dependent subs, and also the image. I've left in all the declarations and things, as I'm not really sure what's going on!
If you could remove any extraneous items from the start, I think a version of this would be suitable for a KB item or Add-in.

MD