Is there some Excel 2007 or Excel 2010 settings that a user can adjust so that when you are creating a template or workbook you are only allowed to use Excel 97 - 2003 features? When I create a template or workbook using what I think are the same features found in Excel 2003 I sometimes get the warning message that saving in 97 - 2003 format will remove some features but it dosn't inform me of what features.

for the list of unsuported features, you have to read this:
http://office.microsoft.com/en-us/ex...010198895.aspx