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Microsoft had announced Excel earlier in , promising a ship date of Sept. Racing to meet that commitment, Klunder and his team worked late into the night on Sept.

We made our master disk and my boss drove to the disk duplicator to get it into a few stores so we could say we made our Sept. While preparing the disks in the middle of the night, someone had the idea of changing the time stamp on the computer to disguise how close they were cutting their deadline.

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Then someone else loaded a copy of Lotus and saw that it too had been finished in the wee hours of the morning, Klunder says. They worried greatly about making the program error-free. Looking at Excel today, despite the many changes and elaborate features that have been added over the years, Klunder still sees the foundation that he and his teammates worked on.

Klunder went on to other roles, including lead developer of Microsoft Money, the personal-finance program. But by , he was ready to move on.

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Long interested in how technology was affecting personal privacy, he began volunteering for the ACLU. On balance, though, he sees the personal-computing revolution as positive for privacy.

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As for Excel, Klunder still considers it a powerful tool. But he harbors no illusions about how it can be abused. Weber covers technology for The Daily Beast. Follow him on Twitter.

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Forum Get forum support. Don't need any special skills, saving hours of time every day. Problems can occur if dates are entered as text. The security's settlement date.

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The security settlement date is the date after the issue date when the security is traded to the buyer. The security's maturity date. The maturity date is the date when the security expires. The number of coupon payments per year. Microsoft Excel stores dates as sequential serial numbers so they can be used in calculations.

By default, January 1, is serial number 1, and January 1, is serial number because it is 39, days after January 1, The settlement date is the date a buyer purchases a coupon, such as a bond.