OK.  It works, but =only= if I open the xlt file directly from the temp work folder.  Even then, I have to click on a tab, then click on the Summary tab for it to update.  When I copy this to the QB2019\Components\Templates folder, after copying it there, I get the same macro warning.  When I re-extracted the files to a =different= work folder, I get the the same macro warning.  This is truly weird, but it =is= still MS products.  :-/  So far, I'm not a fan of 365, at all.  I don't know why MS didn't just fix the security issues in 2007, which worked just fine.