Thanks for all your help and insight.
We have a lot of variables that could have affected the worksheet; we have 3 different versions of Excel, the user works on at least 2 separate workstations, the file is saved on a network drive that seems to go down every other day so it's hard to know exactly what happened.
I've confirmed that ctrl+alt+F9 fixes the issue so we will go with that, thank you.
I am curious about a couple of things; where did you see personal.xls?
Also, what did you mean when you said, "Of course, how step #3 actually happened is anyone's guess. (I have a strong suspicion.)" when listing the steps to get the spreadsheet into the state it was in? I'm interested to know your suspicion.