I reserve the term user-oriented application for an Excel application that can be used by someone with minimal training. These applications produce useful results even for users who know virtually nothing about Excel.
The Loan Amortization Wizard discussed in this chapter qualifies as a user-oriented application because it's designed in such a way that the end user doesn't need to know the intimate details of Excel to use it. Replying to a few simple prompts produces a useful and flexible worksheet complete with formulas.