If you do not enable it, then the file features can not be used and you will only have read only access until you enable for editing. The notification is located under the Ribbon (menu bar) and if you want to have full access to the file features then you have to click 'Enable Editing' so that you can use the file. If you are using Excel 2010 or higher and Protected view is enabled in the Microsoft Excel settings, when you open an Excel file that was downloaded from the internet, the Excel file will open in read only mode and give you the option to enable the file so you can edit it. Microsoft Excel 2010 or higher includes an additional security feature known as Protected View. How to enable editing for Protected View? This is a possibility for any Microsoft Office file whether it is and Excel file, Microsoft Word File, or Microsoft PowerPoint file or any file type whether is it and Excel checkbook app template or budget app software. If an Microsoft Excel file is downloaded from the internet such as via a download link as with digital downloads or as an email attachment, there is the possibility that the Excel file could be a security risk due to a virus or other malware that may be associated with the Excel file. (back to All Support Topics) Why have Excel Protected View? Applies to All Excel templates on including: ' Georges Budget for Excel', ' Georges Excel Checkbook Register', ' Georges Excel Checkbook for Mac'