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Spreadsheet templates are used for many reasons and each template vary according to the purpose it is used for. Spreadsheets are designed with different calculations depending on various needs.
When VisiCalc hit the scene back in the eighties (in the last century), the relatively small group of Apple II users went crazy. It was like manna from heaven for the poor accountants, scientists and engineers who were used to filling in enormous analysis sheets with a pencil. Now, they could use VisiCalc to do the same task, AND calculate the result automatically.