Can someone clarify the following?

I have Excel 2010. I'm trying to create a Bubble Chart from some simple customer information:

Customer Name Rate Contribution Volume
A 1 100 1000
B 2 200 2000
C 3 300 3000
D 4 400 4000

I'm confused about making these charts in Excel and I've been messing around for a few hours.

1) I see videos where people (even experts) are starting the table by selecting Rate, Contribution, and Volume columns and selecting those INCLUDING labels and getting fine results. When I do that, I get an extra data point for the label. Am I missing something? Seems to work fine when I exclude the labels but then I have to manually place the labels in the axis titles. Is it correct to exclude the column labels in the data selection for the table?
2) I know there are add-ins to include the customer names as "data labels". But I also saw a way to manually do this online for each data point. I'll have at most 10 so no big deal, but again, am I missing something in the selection so I don't have to go to each point and manually input the four items?
3) If I move my axes to the middle to make four quadrants that compare the Rate to Contribution (i.e. a customer who's rate is going up, but contribution down is bad, etc.) is there a way to sort of shade each quadrant in the chart? If not, are there any suggestions on a clever way to do? How would you tackle it, other than cutting and pasting into PowerPoint and then manually coloring the quadrant somehow with art?

Hopefully easy questions for the pros. I used to make these very easily in think-cell, but now I'm back to Excel charting, so I have to learn this and it's trickier than I remember.

Thanks as always everyone.

Vaslo