Here’s a color palette tailored for an Excel file that features 7 different row categories and 3 different column categories. This palette aims to provide clear differentiation while maintaining a cohesive look.

 <Excel Color Palette>
1. Row Category 1 - 
                            
                            #FF6F61
                         - A warm coral color to represent the first row category.
2. Row Category 2 - 
                            
                            #6B5B93
                         - A muted purple for the second row category.
3. Row Category 3 - 
                            
                            #88B04B
                         - A fresh green representing the third row category.
4. Row Category 4 - 
                            
                            #F7CAC9
                         - A soft pink for the fourth row category.
5. Row Category 5 - 
                            
                            #92A8D1
                         - A calm blue for the fifth row category.
6. Row Category 6 - 
                            
                            #955251
                         - A deep maroon for the sixth row category.
7. Row Category 7 - 
                            
                            #E5B732
                         - A cheerful yellow to highlight the seventh row category.
8. Column Category 1 - 
                            
                            #F6F0E6
                         - A light beige that works well with any row color.
9. Column Category 2 - 
                            
                            #D9EAD3
                         - A pale green that adds a subtle touch.
10. Column Category 3 - 
                            
                            #CFE2F3
                         - A soft pastel blue that is easy on the eyes.

Description: This color palette consists of vibrant yet harmonious colors that create a visually appealing and organized layout for your Excel file. Each row category has a distinct color, while the column categories use softer shades to ensure the data remains easy to read.

Would you like to adjust any of the colors, or do you have a specific theme or style in mind?