Excel in business / finance is a great mish-mash of ETL, modelling (from simple statistics to pretty advanced optimization), graphics and dashboarding. With too

Excel in business / finance is a great mish-mash of ETL, modelling (from simple statistics to pretty advanced optimization), graphics and dashboarding. With too little structure and documentation to be good for you. A big plus is that every step is (at least without VBA) user transparent. From Excel to application would mean specs by non-sexually writers and continuous exceptions on specs when thereto unknown use cases of pretty much the same spreadsheet are found. (Since you don't exist unless you run your own spreadsheet, users often branche from the sheets of others.)