If you want to have your formulae at the bootom of the range, the safest way is to have a 'boundary' row at each end of the range that has no values in it (eg just a string of '-' characters) and have your formulae include those 'boundary' rows. As you insert/delete rows, the formulae will automatically adjust, based on the new addresses of the boundary rows.

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Cheers,
Paul Edstein
[Fmr MS MVP - Word]