'If you want the User Name from XL
fName = "C:\Some Folder\That I made up\" & Application.UserName & "_" & Format(Now, "dd-mmm-yy h-hh-ss") & ".xlsx"
'WIndows user name:
fName = "C:\Some Folder\That I made up\" & environ("username") & "_" & Format(Now, "dd-mmm-yy h-hh-ss") & ".xlsx"