Thanks for Gord Dibbon. This works like a charm.
Bullets can be inserted by using ALT + 0149 from the NumPad
To get more than one line in a cell type your bullet then your text then hit
ALT + ENTER for a line feed.
ALT + 0149, more text etc.
Once you experiment you will get the idea.
You can make a bulleted/numbered list in a cell.