I'm an ex-lending Manager for an Australian bank. In the '70's I had a Commodore 64 that I could write "programs" and save on an "audio cassette tape" - Google it!

Have had an interest in spreadsheet solutions since the Lotus 1-2-3 release in 1983. Naturally MS won my head in the 90's. Excel was so much better than doing complex mxm cash flow calcs with P&L/BS effects on paper (A3 fine lined).

Then I thought about analysing down to the inputs that matter and developing some sort of input sheet. The outputs were the goal but analysing the calculations and decision flow to identify the key inputs and outputs to create a model was what I could see. Big business beat me to the line.

I left banking and taught myself C then tried a bit of Excel 4 macro (unsuccessfully). Forgot about the whole caper for 10 years then got into a Finance job. There were so many possibilities I could see for improvement so I suggested them. Then I had to teach myself how to build them.

I continue to learn and hopefully pass on something.