JEM 97 is a Microsoft Excel 97 add-in tool that provides a robust set of productivity utilities and adds 205 additional worksheet functions (mostly financial). JEM 97 integrates seamlessly with your Excel spreadsheets to help increase your workflow with less effort. There are three toolbars that lets users operate most of the utilities with ease while the worksheet functions menu shows the JEM 97 calculated functions with an easy to use syntax description for every entry. This is a worthwhile add-in for all spreadsheet users. Microsoft Excel 2000 users should purchase JEM 2000.