Thanks very much Mike - have found out that headers and footers cannot be password protected without the include of some code ?!
But am even having problems with password protecting a template that I then open as 'read only' and it is editable...mmm re-reading your post this seems to be right, is editable as long as they then save it as a different file name -aagh! Has not to be editable at all.
Why did I ever offer to do this?!!
Thanks again
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