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Many applications allow you to save the formatting you used for a particular file for reuse with future files. Some applications come with several sample templates for some types of files often prepared using the application - for example MS Word has templates for memos and MS Excel has templates for invoices. The benefit is that once you have a format that you like you can re-use that format again and again for similar files without having to go back and re-create the format. Usually the application will allow you to either start with a "new" file - which pretty much is just the default template - or to select an existing template (either one that came with the application or one that you previously created and saved as a "template" file).

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