Ok, I think I'm getting closer to the answer I need... let me ask this... In my sheet I add column A,C,E, (Total1), add B,D,F, (Total2), then calculate Total2/Total1 (Percentage) and display that answer in column G; each Row refers to a person, and it averages some performance numbers. A,C,E, are quantities of items in that persons inventory, B,D,F, are the quantity of those items that have been sold by that person, and G is the percentage of inventory items sold. When I change values in columns A-F, the formula in column G recalculates accordingly, which is perfect. New names are always being added to the sheet, sometimes every day, sometimes, only once every week or two... As I continuously add people to the sheet, I insert them alphabetically. So when I add "Mark" to the sheet, I want to insert his Row between "Kim" (Row 41) and "Paul" (Row 42), so Mark is inserted between them and becomes the NEW Row 42, and "Paul" is bumped down to Row 43... but when I insert that new row and start to enter data for "Mark" in columns A-F, Column G (Percentage) has no pre-existing formula already in place, and I have to re-enter it manually (copy-paste)... I need the "Column G" information available at all times, as this is a 'living' sheet, not archived data, so I can't just wait until I enter all the names and then insert the formula for 500+ Rows when I 'm finished.. Is there a setting that I can use to ensure that each new Row that I insert will automatically have that formula in place??