are apples used in banking?

Mi Amor captk, that is because you must create them :

Taken from microsoft.com: Customize keyboard shortcuts

If you'd rather use the keyboard than the mouse or if you want to change some of the default keyboard shortcuts, you'll appreciate a new feature in Microsoft Excel for Mac. In Excel, you can add and change keyboard shortcuts for menu commands and other features.

Assign a keyboard shortcut

1. If you are using Excel X, on the Tools menu, click Customize, and then at the bottom of the Customize dialog box, click Keyboard. If you are using Excel 2004, on the Tools menu, point to Customize, and then click Customize Keyboard.
2. In the Customize Keyboard dialog box, select a category from the Categories list to see the commands and other items associated with that category.

3. Click the command you want in the list to the right.

   Note If there is currently a keyboard shortcut associated with the command, it is displayed in the Current keys box.

4. Click inside the Press new shortcut key box.
5. Press the key combination you want to use for the command.
6. Click Add.

7. After you have finished assigning all the shortcuts you want, click OK.

   Note If you change your mind now or later, you can reset the shortcuts by clicking Reset All.

And BSD, it's spelled "Graphic" not "Graffic".

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